Portland, ME · Charter 675
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.43% | 0.04% | 0.42% | 0.37% | -0.46% | -8.99% | -3.74% | -416 bps | |
| Return on Equity | 10.16% | 5.26% | 0.47% | 4.58% | 4.17% | -5.56% | -230% | -86.64% | -9,122 bps | |
| Net Interest Margin | 4.52% | 4.08% | 4.07% | 4.43% | 4.29% | 3.72% | 4.52% | 4.52% | +9 bps | |
| Efficiency Ratio | 85.50% | 92.67% | 99.28% | 93.37% | 93.93% | 109.04% | 183.75% | 205% | +11,182 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.04% | 9.54% | 9.41% | -1.53% | 1.67% | -1.18% | 1.43% | 6.16% | +769 bps | |
| Loan Growth (YoY) | -2.68% | -1.45% | -2.22% | -0.49% | 1.18% | -2.08% | -5.79% | -10.16% | -967 bps | |
| Share Growth (YoY) | 9.94% | 10.57% | 14.22% | 5.50% | 4.34% | 3.58% | 2.14% | 4.07% | -144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.06% | 3.65% | 2.72% | 3.70% | 3.10% | 5.03% | 0.95% | 0.68% | -302 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 | 2.12% | 2.10% | 1.85% | 2.03% | 1.91% | 1.92% | 3.92% | 3.01% | +98 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.59% | 8.13% | 8.42% | 9.14% | 8.82% | 8.36% | 3.91% | 4.31% | -483 bps | |
| Net Worth / Assets | 8.59% | 8.13% | 8.42% | 9.14% | 8.82% | 8.36% | 3.91% | 4.31% | -483 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.32% | 78.67% | 78.93% | 83.84% | 78.85% | 74.37% | 72.80% | 72.38% | -1,146 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |