Bank of New Hampshire, N.A.

Farmington, NH · Cert 6221

FDIC

Q4 2001

$5.0BAssets

$2.2BLoans

$3.3BDeposits

$314.7MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.60%, up 13 bps year over year; NIM at 3.67%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.34%.
Funding: loans stand at 65.57% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

1.60%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.67%

Efficiency Ratio (YTD, annualized)

45.43%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	1.21%	1.34%	1.44%	1.47%	1.31%	1.55%	1.57%	1.60%	+13 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.72%	3.76%	3.90%	3.67%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	50.98%	46.99%	46.61%	45.43%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	1.36%	1.22%	1.27%	1.14%	n/a
Growth
Asset Growth (YoY)	-0.52%	1610%	1584%	1496%	1636%	-8.06%	2.96%	7.68%	-148,878 bps
Loan Growth (YoY)	0.05%	1503%	1519%	1488%	1530%	-4.82%	-5.43%	-7.30%	-149,506 bps
Deposit Growth (YoY)	0.95%	1322%	1316%	1308%	1346%	0.91%	2.67%	2.30%	-130,604 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.55%	0.38%	0.33%	0.34%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.69%	1.73%	1.70%	1.72%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	11.32%	11.51%	11.08%	11.27%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	6.51%	6.74%	6.60%	6.30%	n/a
Liquidity & Funding
Loans / Deposits	64.86%	72.16%	72.90%	72.36%	73.14%	68.06%	67.15%	65.57%	-679 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	7.84%	7.83%	6.62%	5.91%	+591 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a