Peer Analysis

Performance Ratios (%) Lake Sunapee Bank Group Peer Median Peer Average
ROAA 0.60 0.77 0.79
ROAE 6.64 8.21 8.24
Net Interest Margin 3.04 3.08 3.18
Efficiency Ratio 74.53 65.30 63.37
Loans / Deposits 109.11 101.16 100.50
Asset Quality Ratios (%)
NPAs / Assets 0.73 0.72 0.78
NCOs / Avg Loans 0.06 0.03 0.05
Reserves / Loans 0.72 0.90 0.96
Reserves / NPAs 78.04 93.64 130.08
Capital Ratios (%)
Tier 1 Capital 11.34 14.04 13.55
Tangible Equity / Tangible Assets 5.94 8.56 8.93
Total Equity / Total Assets 8.99 9.61 9.72
Market Ratios
Price / Earnings (x) NA 18.78 20.96
Price / Book (%) NA 162.21 155.28
Dividend Yield (%) NA 2.03 1.96
Data for trailing four quarters

Lake Sunapee Bank Group's peer group consists of the following: Bar Harbor Bankshares (BHB), Camden National Corporation (CAC), Enterprise Bancorp, Inc. (EBTC), First Bancorp, Inc. (FNLC), First Connecticut Bancorp, Inc. (FBNK), Hingham Institution for Savings (HIFS), Merchants Bancshares, Inc. (MBVT), Meridian Bancorp, Inc. (EBSB), Northway Financial, Inc. (NWYF), Salisbury Bancorp, Inc. (SAL), SI Financial Group, Inc. (SIFI), Western New England Bancorp, Inc. (WNEB)

Lake Sunapee Bank Group's financial data is as of 9/30/2016.

Peer financial data is as of 9/30/2016