Plymouth, NH · Cert 6247
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Plymouth, NH · Cert 6247
FDIC
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.11%1 | 0.16%1 | 0.26%1 | 0.31% | 0.44% | 0.43% | 0.45% | +19 bps | |
| Return on Equity | 4.00% | 1.02% | 1.54% | 2.49% | 2.94% | 4.12% | 4.04% | 4.30% | +181 bps | |
| Net Interest Margin | 3.89% | 3.57% | 3.55% | 3.57% | 3.70% | 3.93% | 3.96% | 3.81% | +24 bps | |
| Efficiency Ratio | 81.57% | 93.35% | 90.62% | 86.57% | 84.52% | 80.58% | 81.79% | 81.25% | -532 bps | |
| Non-Interest Burden | 3.33% | 3.57% | 3.42% | 3.25% | 3.27% | 3.29% | 3.36% | 3.19% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.19% | 8.03% | 8.15% | 4.24% | 4.21% | -4.28% | -3.56% | 0.55% | -369 bps | |
| Loan Growth (YoY) | -10.03% | -3.37% | 6.07% | 15.19% | 16.19% | 7.26% | -4.12% | -7.92% | -2,311 bps | |
| Deposit Growth (YoY) | 0.10% | 1.82% | 6.00% | -1.22% | 1.40% | -3.27% | -3.93% | 3.89% | +511 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 | 0.32% | 0.14% | 0.12% | 0.07% | 0.10% | -0.13% | -0.07% | -0.03% | -10 bps | |
| Allowance / Loans | 1.09% | 1.07% | 0.99% | 1.05% | 1.07% | 1.14% | 1.16% | 1.19% | +14 bps | |
| 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 | 12.50% | 12.12% | 11.56% | 12.17% | 12.79% | 13.41% | 13.73% | 14.17% | +200 bps | |
| Equity / Assets | 11.00% | 10.42% | 9.86% | 10.29% | 10.51% | 10.80% | 10.59% | 10.26% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.34% | 90.91% | 93.10% | 97.88% | 95.49% | 100.81% | 92.91% | 86.76% | -1,112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |