Lebanon, NH · Charter 65872
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Lebanon, NH · Charter 65872
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.78% | 0.20% | -0.16% | -0.17% | 0.06% | -0.31% | -0.17% | 0.01% | +18 bps | |
| Return on Equity | -46.33% | 2.93% | -2.38% | -2.68% | 1.02% | -5.11% | -2.89% | 0.12% | +280 bps | |
| Net Interest Margin | 3.51% | 3.77% | 3.82% | 3.86% | 3.82% | 4.09% | 3.80% | 3.68% | -18 bps | |
| Efficiency Ratio | 91.55% | 93.64% | 95.89% | 96.63% | 92.59% | 90.40% | 95.71% | 92.95% | -368 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.67% | 17.46% | 15.30% | 12.51% | 7.66% | 1.77% | -0.20% | -0.11% | -1,262 bps | |
| Loan Growth (YoY) | 28.57% | 30.74% | 20.35% | 18.26% | 10.03% | -0.73% | -15.33% | -16.80% | -3,506 bps | |
| Share Growth (YoY) | 20.22% | 18.78% | 16.38% | 13.63% | 7.91% | 1.68% | 0.56% | 0.42% | -1,321 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 1.32% | 0.18% | 0.79% | 0.35% | 2.01% | 0.06% | 1.03% | +24 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 | 0.33% | 0.30% | 0.24% | 0.27% | 0.30% | 0.88% | 0.42% | 0.56% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.99% | 6.77% | 6.58% | 6.44% | 6.07% | 6.15% | 5.90% | 5.86% | -58 bps | |
| Net Worth / Assets | 5.99% | 6.77% | 6.58% | 6.44% | 6.07% | 6.15% | 5.90% | 5.86% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.90% | 86.00% | 87.97% | 86.50% | 79.43% | 83.96% | 74.07% | 71.67% | -1,483 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |