Tilton, NH · Cert 6252
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 | 2.89% | 2.82% | 1.83% | 3.06% | 4.26% | 4.13% | 6.13% | 1.42% | -164 bps | |
| Return on Equity | 13.79% | 12.35% | 7.54% | 12.46% | 17.66% | 16.98% | 23.78% | 5.33% | -713 bps | |
| Net Interest Margin | 5.75% | 5.20% | 5.14% | 5.57% | 4.98% | 5.14% | 5.82% | 5.88% | +31 bps | |
| Efficiency Ratio | 44.11% | 51.27% | 47.29% | 42.32% | 49.95% | 46.94% | 39.85% | 41.74% | -58 bps | |
| Non-Interest Burden | -4.13% | -2.19% | -3.77% | -4.89% | -3.17% | -3.59% | -5.45% | -4.63% | +26 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 | 24.03% | 9.41% | 8.72% | 7.01% | 6.31% | 12.41% | 6.62% | 4.53% | -248 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 |