Manchester, NH · Charter 64864
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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 64864
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.28% | 0.24% | 0.15% | 0.11% | 0.05% | -0.30% | -4.57% | -472 bps | |
| Return on Equity | 1.99% | 2.42% | 1.96% | 1.16% | 0.89% | 0.42% | -2.36% | -41.90% | -4,306 bps | |
| Net Interest Margin | 3.16% | 3.28% | 3.32% | 3.36% | 3.30% | 3.22% | 3.16% | 3.33% | -3 bps | |
| Efficiency Ratio | 93.95% | 92.66% | 93.78% | 96.24% | 97.11% | 98.62% | 108.01% | 214% | +11,817 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.40% | -4.51% | -7.71% | -10.06% | -9.79% | -7.60% | -5.18% | -5.07% | +499 bps | |
| Loan Growth (YoY) | 2.41% | 6.37% | 2.12% | -4.70% | -5.41% | -5.02% | -6.85% | -3.53% | +117 bps | |
| Share Growth (YoY) | -8.48% | -8.41% | -10.95% | -11.47% | -13.69% | -10.77% | -7.89% | -6.67% | +480 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.87% | 0.33% | 1.23% | 0.64% | 0.79% | 0.69% | 0.25% | -98 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 | 1.54% | 1.56% | 1.56% | 1.51% | 1.32% | 1.24% | 1.32% | 1.28% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.13% | 11.62% | 12.01% | 12.55% | 12.53% | 12.63% | 12.58% | 10.91% | -164 bps | |
| Net Worth / Assets | 11.13% | 11.62% | 12.01% | 12.55% | 12.53% | 12.63% | 12.58% | 10.91% | -164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.71% | 64.65% | 64.20% | 67.88% | 69.82% | 68.82% | 64.91% | 70.16% | +229 bps | |
| Liquid Assets / Assets | 11.12% | 11.22% | 11.70% | 9.19% | 11.04% | 15.22% | 20.30% | 0.00% | -919 bps | |