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Central Maine Power Co. Emp

Augusta, ME · Charter 910

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Maine Power Co. Emp

Augusta, ME · Charter 910

Q3 2010

$33.6MAssets
$17.7MLoans
$27.4MShares
$6.0MNet Worth

Executive Summary

  • Earnings: ROA of -1.22%, down 141 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.22% of loans (-3 bps YoY).
  • Capital: net worth / assets of 17.98%, down 115 bps from a year ago.
  • Funding: loans stand at 64.65% of shares as of Q3 2010.

Return on Assets (YTD, annualized)

-1.22%-141 bps YoY

Net Interest Margin (YTD, annualized)

3.59%-11 bps YoY

Efficiency Ratio (YTD, annualized)

123.36%+2,923 bps YoY

Net Worth / Assets

17.98%-115 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.54%0.42%0.06%0.19%-0.01%0.18%0.20%-1.22%-141 bps
Return on Equity2.63%2.01%0.30%0.98%-0.08%0.95%1.08%-6.78%-776 bps
Net Interest Margin4.25%4.30%3.81%3.69%3.78%3.66%3.35%3.59%-11 bps
Efficiency Ratio88.20%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 / Loans0.72%0.50%0.64%0.26%0.20%0.23%0.18%0.22%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.37%0.17%0.20%0.17%0.18%0.15%0.35%0.22%+6 bps
Capital
Risk-Based Capital20.52%20.88%19.52%19.13%19.37%19.04%18.22%17.98%-115 bps
Net Worth / Assets20.52%20.88%19.52%19.13%19.37%19.04%18.22%17.98%-115 bps
Liquidity & Funding
Loans / Shares60.81%60.81%57.13%56.99%63.80%60.99%57.39%64.65%+766 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps