Portland, ME · Charter 61873
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Portland, ME · Charter 61873
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.28% | -0.21% | -0.02% | 0.15% | 0.02% | 0.09% | 0.18% | +21 bps | |
| Return on Equity | 0.26% | 2.38% | -2.02% | -0.21% | 1.21% | 0.18% | 0.82% | 1.59% | +180 bps | |
| Net Interest Margin | 5.15% | 5.16% | 4.56% | 4.87% | 5.27% | 4.41% | 4.60% | 4.56% | -31 bps | |
| Efficiency Ratio | 95.32% | 91.56% | 99.46% | 96.69% | 95.06% | 96.52% | 95.68% | 94.72% | -197 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.53% | -1.03% | 22.86% | 21.31% | -3.91% | 9.15% | -6.20% | 1.96% | -1,935 bps | |
| Loan Growth (YoY) | -5.59% | 2.95% | -6.23% | -9.38% | 6.09% | -4.23% | 5.24% | 5.14% | +1,452 bps | |
| Share Growth (YoY) | -12.90% | -2.05% | 25.56% | 24.55% | -5.00% | 10.35% | -7.23% | 1.85% | -2,270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.70% | 0.33% | 0.26% | 0.63% | 0.33% | 0.38% | 0.34% | +8 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 | 1.56% | 1.47% | 1.72% | 1.71% | 1.47% | 1.51% | 1.38% | 1.39% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.60% | 11.90% | 10.56% | 11.36% | 12.51% | 11.04% | 11.56% | 11.43% | +7 bps | |
| Net Worth / Assets | 11.60% | 11.90% | 10.56% | 11.36% | 12.51% | 11.04% | 11.56% | 11.43% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.09% | 82.83% | 70.21% | 78.68% | 87.21% | 71.89% | 79.66% | 81.22% | +254 bps | |
| Liquid Assets / Assets | 28.90% | 23.84% | 34.75% | 27.77% | 19.66% | 32.81% | 25.85% | 20.35% | -741 bps | |