Wells, ME · Charter 998
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.69% | -0.51% | -0.43% | -0.95% | -0.27% | -0.42% | -0.41% | +2 bps | |
| Return on Equity | -0.86% | -2.71% | -2.04% | -1.70% | -3.62% | -1.08% | -1.69% | -1.62% | +7 bps | |
| Net Interest Margin | 3.59% | 3.29% | 3.06% | 3.01% | 3.18% | 2.75% | 2.80% | 2.71% | -29 bps | |
| Efficiency Ratio | 99.14% | 111.74% | 109.80% | 107.87% | 117.75% | 103.64% | 106.84% | 107.46% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.52% | -3.68% | 6.69% | -0.16% | -8.90% | -0.06% | -2.63% | -3.14% | -298 bps | |
| Loan Growth (YoY) | -12.52% | -19.00% | -17.80% | -16.98% | -15.95% | -9.74% | -14.88% | -16.80% | +18 bps | |
| Share Growth (YoY) | 6.44% | -3.76% | 9.15% | 1.19% | -14.98% | -1.19% | -2.65% | -2.94% | -413 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.63% | 0.78% | 0.97% | 0.06% | 1.28% | 1.80% | 1.80% | +82 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 | 0.79% | 1.15% | 1.08% | 1.15% | 0.82% | 0.93% | 0.81% | 0.80% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.68% | 25.43% | 25.03% | 25.09% | 26.11% | 24.65% | 24.86% | 25.01% | -8 bps | |
| Net Worth / Assets | 24.68% | 25.43% | 25.03% | 25.09% | 26.11% | 24.65% | 24.86% | 25.01% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.85% | 45.03% | 44.62% | 42.78% | 46.31% | 41.13% | 39.01% | 36.67% | -611 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |