PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of New Hampshire, N.A.

Farmington, NH · Cert 6221

FDIC

Q4 2001

$5.0BAssets
$2.2BLoans
$3.3BDeposits
$314.7MEquity
Loan mix
66%RE $571.8M33%C&I $285.6M1%Consumer $6.5MQ4 2000Q4 2001
Deposit mix
80%Interest-bearing $2.6B20%Noninterest $0.6BQ4 2000Q4 2001

NIM

7.28%Q1 ’016.78%Q3 ’016.28%Q4 ’01+8%-5%

Non-interest income vs. expense

2.45%Q1 ’012.28%Q3 ’012.00%Q4 ’01-4%-22%

Executive Summary

  • Earnings: ROA of 1.68%, up 21 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.36%.
  • Funding: loans stand at 65.57% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

1.68%+21 bps YoY

Net Interest Margin (quarter, annualized)

3.78%

Efficiency Ratio (quarter, annualized)

42.01%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.47%1.31%1.77%1.67%1.68%+21 bps
Return on Equityn/an/a26.66%25.00%26.05%n/a
Net Interest Marginn/a3.72%3.82%4.00%3.78%n/a
Efficiency Ration/a50.98%42.99%45.86%42.01%n/a
Non-Interest Burdenn/a1.36%1.09%1.31%1.03%n/a
Growth
Asset Growth (YoY)1496%1636%-8.06%2.96%7.68%-148,878 bps
Loan Growth (YoY)1488%1530%-4.82%-5.43%-7.30%-149,506 bps
Deposit Growth (YoY)1308%1346%0.91%2.67%2.30%-130,604 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.55%0.18%0.22%0.36%n/a
Allowance / Loansn/a1.69%1.73%1.70%1.72%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a11.32%11.51%11.08%11.27%n/a
Equity / Assetsn/a6.51%6.74%6.60%6.30%n/a
Liquidity & Funding
Loans / Deposits72.36%73.14%68.06%67.15%65.57%-679 bps
Liquid Assets / Assets0.00%7.84%7.83%6.62%5.91%+591 bps
CRE / Total Capitaln/an/an/an/an/an/an/a