Nashua, NH · Charter 61401
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.41% | 0.35% | 0.32% | -0.21% | -0.13% | -0.13% | -0.68% | -100 bps | |
| Return on Equity | 4.06% | 3.97% | 3.23% | 2.92% | -2.10% | -1.26% | -1.22% | -7.10% | -1,002 bps | |
| Net Interest Margin | 3.57% | 3.73% | 3.86% | 3.81% | 3.36% | 3.34% | 3.41% | 3.41% | -40 bps | |
| Efficiency Ratio | 83.89% | 83.55% | 85.61% | 86.70% | 98.12% | 96.05% | 95.92% | 107.58% | +2,088 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.77% | 17.80% | 14.18% | -2.55% | 5.70% | 2.97% | 3.58% | 5.29% | +784 bps | |
| Loan Growth (YoY) | 3.45% | -9.06% | -10.11% | -7.84% | -9.86% | -3.86% | -0.67% | 2.57% | +1,042 bps | |
| Share Growth (YoY) | 18.83% | 18.16% | 15.04% | -3.22% | 6.11% | 3.37% | 4.14% | 6.26% | +947 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.89% | 0.74% | 1.02% | 0.67% | 0.68% | 1.05% | 1.17% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.89% | 0.91% | 0.91% | 0.98% | 0.94% | 1.09% | 1.01% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.46% | 10.26% | 10.69% | 10.81% | 10.11% | 9.96% | 10.25% | 9.58% | -122 bps | |
| Net Worth / Assets | 10.46% | 10.26% | 10.69% | 10.81% | 10.11% | 9.96% | 10.25% | 9.58% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.73% | 46.21% | 47.49% | 47.18% | 42.24% | 42.98% | 45.30% | 45.54% | -164 bps | |
| Liquid Assets / Assets | 32.34% | 26.51% | 27.16% | 23.09% | 24.70% | 30.06% | 21.22% | 20.00% | -309 bps | |