Ellsworth, ME · Cert 9
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 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.
Ellsworth, ME · Cert 9
FDIC
Q4 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.67% | 0.72% | 0.76% | 0.75% | 0.74% | 0.79% | 0.40% | -36 bps | |
| Return on Equity | 9.93% | 10.08% | 10.85% | 11.21% | 10.39% | 10.44% | 10.93% | 5.72% | -549 bps | |
| Net Interest Margin | 2.97% | 2.82% | 2.79% | 2.82% | 2.86% | 2.81% | 2.83% | 2.91% | +9 bps | |
| Efficiency Ratio | 77.26% | 76.65% | 75.02% | 73.30% | 73.87% | 73.89% | 72.67% | 85.70% | +1,240 bps | |
| Non-Interest Burden | 2.07% | 1.92% | 1.84% | 1.80% | 1.85% | 1.80% | 1.76% | 2.34% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.39% | 5.96% | 4.23% | 3.07% | 1.02% | 0.85% | -2.46% | -0.08% | -315 bps | |
| Loan Growth (YoY) | 10.89% | 8.96% | 7.63% | 4.27% | 3.35% | 1.30% | -1.89% | 0.59% | -368 bps | |
| Deposit Growth (YoY) | 9.37% | 3.62% | 0.55% | 3.80% | 10.20% | 9.76% | 1.90% | -1.60% | -540 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.01% | 0.00% | 0.00% | 0.09% | 0.03% | 0.01% | 0.11% | +11 bps | |
| Allowance / Loans | 1.10% | 1.07% | 1.04% | 1.07% | 1.04% | 1.04% | 1.06% | 1.11% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.31% | 12.88% | 12.80% | 13.40% | 13.36% | 13.29% | 13.59% | 10.73% | -267 bps | |
| Equity / Assets | 6.87% | 6.51% | 6.73% | 7.16% | 7.26% | 6.96% | 7.47% | 5.77% | -139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.62% | 117.40% | 113.67% | 106.67% | 107.49% | 108.35% | 109.45% | 109.03% | +237 bps | |
| Liquid Assets / Assets | 0.46% | 0.48% | 0.48% | 0.46% | 0.53% | 0.37% | 0.43% | 0.39% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |