Exeter, NH · Charter 60956
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Exeter, NH · Charter 60956
Q2 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 1.16% | 1.03% | 1.41% | 0.73% | -38 bps | |
| Return on Equity | 8.46% | 8.72% | 7.57% | 10.25% | 5.09% | -337 bps | |
| Net Interest Margin | 2.52% | 2.56% | 2.60% | 2.68% | 2.58% | +6 bps | |
| Efficiency Ratio | 53.03% | 52.68% | 55.68% | 47.41% | 65.57% | +1,254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.08% | 6.49% | 0.24% | 0.17% | -2.85% | -693 bps | |
| Loan Growth (YoY) | -2.88% | -10.52% | -15.12% | -12.48% | -6.90% | -402 bps | |
| Share Growth (YoY) | 3.03% | 5.84% | -1.22% | -1.33% | -4.74% | -777 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.29% | 0.30% | 0.19% | 0.18% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.48% | 1.24% | 1.37% | 1.46% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.10% | 13.31% | 13.66% | 13.77% | 14.34% | +124 bps | |
| Net Worth / Assets | 13.10% | 13.31% | 13.66% | 13.77% | 14.34% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 21.87% | 21.18% | 21.87% | 20.04% | 21.37% | -50 bps | |
| Liquid Assets / Assets | 45.97% | 44.23% | 39.66% | 39.25% | 36.29% | -967 bps | |