Augusta, ME · Charter 910
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 910
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.42% | 0.06% | 0.19% | -0.01% | 0.18% | 0.20% | -1.22% | -141 bps | |
| Return on Equity | 2.63% | 2.01% | 0.30% | 0.98% | -0.08% | 0.95% | 1.08% | -6.78% | -776 bps | |
| Net Interest Margin | 4.25% | 4.30% | 3.81% | 3.69% | 3.78% | 3.66% | 3.35% | 3.59% | -11 bps | |
| Efficiency Ratio | 88.20% | 90.80% | 97.24% | 94.14% | 95.62% | 90.22% | 92.93% | 123.36% | +2,923 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.77% | 2.37% | 7.00% | 9.83% | 8.04% | 11.85% | 8.99% | 0.95% | -888 bps | |
| Loan Growth (YoY) | 3.35% | 2.45% | 8.53% | 4.97% | 15.36% | 15.73% | 11.58% | 16.52% | +1,155 bps | |
| Share Growth (YoY) | 5.17% | 2.37% | 8.83% | 11.97% | 9.95% | 15.39% | 11.07% | 2.71% | -926 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.50% | 0.64% | 0.26% | 0.20% | 0.23% | 0.18% | 0.22% | -3 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 | 0.37% | 0.17% | 0.20% | 0.17% | 0.18% | 0.15% | 0.35% | 0.22% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.52% | 20.88% | 19.52% | 19.13% | 19.37% | 19.04% | 18.22% | 17.98% | -115 bps | |
| Net Worth / Assets | 20.52% | 20.88% | 19.52% | 19.13% | 19.37% | 19.04% | 18.22% | 17.98% | -115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.81% | 60.81% | 57.13% | 56.99% | 63.80% | 60.99% | 57.39% | 64.65% | +766 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |