Manchester, NH · Charter 64011
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Manchester, NH · Charter 64011
Q1 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 1.07% | 0.90% | 0.76% | 0.75% | 0.60% | 0.42% | -1.73% | -249 bps | |
| Return on Equity | n/a | 11.17% | 9.87% | 7.95% | 8.25% | 6.92% | 4.62% | -18.10% | -2,605 bps | |
| Net Interest Margin | 4.87% | 5.79% | 5.08% | 5.32% | 4.79% | 4.56% | 4.79% | 4.47% | -85 bps | |
| Efficiency Ratio | 88.09% | 83.07% | 84.19% | 83.15% | 84.23% | 85.94% | 86.08% | 124.21% | +4,107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.85% | -4.37% | 3.25% | 9.45% | 2.58% | 25.48% | 7.92% | -0.13% | -958 bps | |
| Loan Growth (YoY) | 17.84% | -3.61% | -1.08% | -2.69% | -10.95% | -10.98% | -18.37% | -27.89% | -2,520 bps | |
| Share Growth (YoY) | 11.95% | -6.10% | 1.60% | 8.29% | 1.02% | 26.31% | 7.72% | 0.14% | -815 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 1.50% | 1.34% | 3.42% | 2.00% | 0.63% | 0.40% | 0.26% | -316 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 1.46% | 1.14% | 1.83% | 1.61% | 1.59% | 1.35% | 2.31% | +48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 9.58% | 9.11% | 9.58% | 9.08% | 8.74% | 9.14% | 9.54% | -5 bps | |
| Net Worth / Assets | n/a | 9.58% | 9.11% | 9.58% | 9.08% | 8.74% | 9.14% | 9.54% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.39% | 84.14% | 74.38% | 77.62% | 66.46% | 59.30% | 56.37% | 55.90% | -2,172 bps | |
| Liquid Assets / Assets | 0.00% | 21.87% | 30.82% | 28.22% | 29.83% | 32.52% | 39.33% | 47.56% | +1,935 bps | |