Tilton, NH · Cert 6252
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.
Tilton, NH · Cert 6252
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 | 1.78% | 2.82% | 2.32% | 2.55% | 2.98% | 4.13% | 5.11% | 3.88% | +133 bps | |
| Return on Equity | 9.28% | 12.35% | 9.93% | 10.78% | 12.59% | 16.98% | 20.43% | 15.25% | +446 bps | |
| Net Interest Margin | 4.99% | 5.20% | 5.31% | 5.33% | 5.10% | 5.14% | 5.45% | 5.57% | +24 bps | |
| Efficiency Ratio | 52.63% | 51.27% | 49.22% | 46.74% | 47.55% | 46.94% | 43.15% | 42.67% | -407 bps | |
| Non-Interest Burden | -2.21% | -2.19% | -3.04% | -3.62% | -3.41% | -3.59% | -4.50% | -4.52% | -90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.82% | -13.11% | -10.62% | -3.53% | -3.26% | 2.51% | 3.35% | 0.41% | +394 bps | |
| Loan Growth (YoY) | 10.97% | -0.92% | 19.87% | 20.17% | 14.33% | 15.15% | -0.24% | 18.96% | -121 bps | |
| Deposit Growth (YoY) | -9.75% | -19.59% | -16.36% | -9.12% | -6.03% | 1.16% | -0.83% | -1.82% | +730 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 | 15.31% | 9.41% | 8.59% | 7.73% | 7.21% | 12.41% | 9.75% | 6.64% | -109 bps | |
| Allowance / Loans | n/a | 9.17% | 8.71% | 8.65% | 7.96% | 6.15% | 6.13% | 6.79% | -187 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 | 21.23% | 22.60% | 22.28% | 22.42% | 22.72% | 25.25% | 26.72% | 25.48% | +306 bps | |
| Equity / Assets | n/a | 24.17% | 24.45% | 24.68% | 23.53% | 25.10% | 26.40% | 26.81% | +213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.61% | 68.31% | 75.65% | 79.75% | 78.61% | 77.75% | 76.10% | 96.62% | +1,688 bps | |
| Liquid Assets / Assets | 0.00% | 0.45% | 0.36% | 0.58% | 0.70% | 0.31% | 0.28% | 0.28% | -30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |