South Portland, ME · Charter 68384
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
South Portland, ME · Charter 68384
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.57% | 0.29% | 0.24% | 0.36% | 0.52% | 0.58% | 0.95% | +71 bps | |
| Return on Equity | 6.21% | 6.00% | 3.02% | 2.50% | 3.63% | 5.05% | 5.70% | 9.02% | +652 bps | |
| Net Interest Margin | 3.51% | 3.57% | 3.63% | 3.63% | 3.74% | 3.82% | 3.69% | 3.65% | +2 bps | |
| Efficiency Ratio | 84.74% | 84.63% | 86.74% | 87.67% | 85.36% | 83.67% | 83.57% | 77.00% | -1,068 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.28% | -5.60% | -5.49% | -4.44% | -3.25% | -3.24% | -0.86% | 0.43% | +487 bps | |
| Loan Growth (YoY) | -8.67% | -9.34% | -12.27% | -5.03% | -4.30% | -5.32% | -6.50% | -11.67% | -664 bps | |
| Share Growth (YoY) | 4.08% | 2.64% | 1.20% | 0.18% | -2.59% | -2.67% | -0.01% | 2.01% | +183 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.47% | 0.39% | 0.31% | 0.27% | 0.23% | 0.10% | 1.39% | +108 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 | 0.16% | 0.19% | 0.19% | 0.24% | 0.16% | 0.20% | 0.20% | 0.25% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.17% | 9.41% | 9.57% | 9.69% | 9.88% | 10.25% | 10.23% | 10.51% | +82 bps | |
| Net Worth / Assets | 9.17% | 9.41% | 9.57% | 9.69% | 9.88% | 10.25% | 10.23% | 10.51% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.00% | 97.77% | 96.74% | 95.59% | 96.28% | 95.11% | 90.46% | 82.77% | -1,282 bps | |
| Liquid Assets / Assets | 4.82% | 4.96% | 6.51% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |