Plymouth, NH · Cert 6247
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37%1 | 0.11%1 | 0.21%1 | 0.45% | 0.44% | 0.44% | 0.43% | 0.50% | +5 bps | |
| Return on Equity | 3.35% | 1.02% | 2.07% | 4.44% | 4.26% | 4.12% | 3.98% | 4.81% | +38 bps | |
| Net Interest Margin | 3.58% | 3.57% | 3.68% | 3.78% | 3.94% | 3.93% | 3.92% | 3.80% | +1 bps | |
| Efficiency Ratio | 89.76% | 93.35% | 88.17% | 79.31% | 78.91% | 80.58% | 82.98% | 80.19% | +87 bps | |
| Non-Interest Burden | 3.42% | 3.57% | 3.42% | 3.08% | 3.19% | 3.29% | 3.37% | 3.12% | +4 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 | 0.24% | 0.14% | 0.11% | -0.04% | 0.19% | -0.13% | 0.00% | 0.04% | +8 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 |