Manchester, NH · Charter 66292
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.54% | 0.88% | 0.54% | 0.46% | 0.42% | 0.53% | 0.22% | -32 bps | |
| Return on Equity | 4.25% | 4.50% | 6.59% | 3.79% | 3.13% | 2.77% | 3.57% | 1.42% | -236 bps | |
| Net Interest Margin | 3.70% | 3.52% | 4.62% | 4.30% | 4.23% | 4.26% | 3.78% | 3.52% | -78 bps | |
| Efficiency Ratio | 86.55% | 86.02% | 81.74% | 87.54% | 89.01% | 89.87% | 85.99% | 93.60% | +606 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.43% | 10.37% | -3.21% | -11.15% | -13.22% | -20.16% | -9.55% | -6.61% | +454 bps | |
| Loan Growth (YoY) | 21.39% | 12.90% | 13.57% | 6.15% | -10.63% | -12.79% | -15.05% | -20.26% | -2,641 bps | |
| Share Growth (YoY) | 1.41% | 11.79% | -3.65% | -12.75% | -15.51% | -23.21% | -11.47% | -7.84% | +491 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.77% | 1.18% | 0.00% | 0.85% | 0.00% | 0.00% | 0.00% | 0 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 | 0.11% | 0.08% | 0.09% | 0.09% | 0.12% | 0.12% | 0.14% | 0.15% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.37% | 11.92% | 13.39% | 14.24% | 14.66% | 15.21% | 14.99% | 15.38% | +113 bps | |
| Net Worth / Assets | 12.37% | 11.92% | 13.39% | 14.24% | 14.66% | 15.21% | 14.99% | 15.38% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.28% | 64.77% | 73.21% | 78.26% | 70.11% | 73.56% | 70.24% | 67.71% | -1,055 bps | |
| Liquid Assets / Assets | 23.36% | 23.46% | 13.18% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |