Augusta, ME · Charter 68136
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Augusta, ME · Charter 68136
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.93% | 0.82% | 0.86% | -1.04% | -0.48% | -1.35% | -0.98% | -184 bps | |
| Return on Equity | 13.54% | 13.75% | 11.50% | 11.48% | -16.09% | -7.03% | -21.32% | -15.36% | -2,684 bps | |
| Net Interest Margin | 4.42% | 4.79% | 4.97% | 4.98% | 4.67% | 4.81% | 5.03% | 4.75% | -23 bps | |
| Efficiency Ratio | 76.53% | 77.10% | 78.85% | 77.37% | 81.24% | 81.26% | 84.51% | 84.11% | +674 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.21% | 6.98% | 5.19% | -2.23% | -6.27% | -4.86% | -7.06% | -9.22% | -699 bps | |
| Loan Growth (YoY) | 4.13% | 3.42% | -2.64% | -3.49% | -11.61% | -12.87% | -13.83% | -18.71% | -1,521 bps | |
| Share Growth (YoY) | 22.79% | 6.60% | 4.61% | -3.15% | -6.55% | -4.96% | -6.21% | -8.04% | -489 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.57% | 0.84% | 5.62% | 5.30% | 4.83% | 3.30% | 2.90% | -272 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 | 0.88% | 0.71% | 0.60% | 0.64% | 1.19% | 1.03% | 1.31% | 1.44% | +79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.21% | 6.79% | 7.14% | 7.49% | 6.46% | 6.87% | 6.34% | 6.36% | -113 bps | |
| Net Worth / Assets | 6.21% | 6.79% | 7.14% | 7.49% | 6.46% | 6.87% | 6.34% | 6.36% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.11% | 83.18% | 82.90% | 82.97% | 72.94% | 76.25% | 76.17% | 73.34% | -963 bps | |
| Liquid Assets / Assets | 22.52% | 16.95% | 14.09% | 17.06% | 25.45% | 21.38% | 23.28% | 14.69% | -237 bps | |