Somersworth, NH · Charter 67896
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Somersworth, NH · Charter 67896
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.51% | -0.72% | -1.01% | 1.98% | 1.03% | 0.59% | 0.21% | -1.12% | -311 bps | |
| Return on Equity | -20.80% | -9.58% | -12.55% | 23.48% | 11.54% | 6.51% | 2.34% | -13.90% | -3,738 bps | |
| Net Interest Margin | 3.27% | 3.30% | 3.70% | 3.40% | 3.54% | 3.62% | 3.56% | 2.94% | -46 bps | |
| Efficiency Ratio | 111.83% | 93.50% | 95.04% | 71.76% | 86.20% | 92.11% | 97.90% | 124.93% | +5,317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.17% | 16.66% | -3.44% | -9.60% | -15.13% | -17.29% | -7.21% | -2.74% | +686 bps | |
| Loan Growth (YoY) | -5.59% | -12.60% | -13.23% | -23.96% | -28.37% | -25.60% | -26.25% | -14.41% | +955 bps | |
| Share Growth (YoY) | 20.15% | 20.53% | -2.65% | -10.25% | -16.51% | -18.65% | -7.99% | -2.23% | +802 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.91% | 0.74% | 0.82% | 0.66% | 0.84% | 1.37% | 0.83% | +1 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 | 1.07% | 1.21% | 1.38% | 1.55% | 1.31% | 1.40% | 1.08% | 0.79% | -76 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.26% | 7.53% | 8.03% | 8.45% | 8.88% | 9.11% | 8.86% | 8.09% | -36 bps | |
| Net Worth / Assets | 7.26% | 7.53% | 8.03% | 8.45% | 8.88% | 9.11% | 8.86% | 8.09% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.89% | 64.56% | 68.76% | 58.01% | 58.26% | 59.04% | 55.11% | 50.79% | -723 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |