St. Johnsbury, VT · Charter 24369
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
St. Johnsbury, VT · Charter 24369
Q3 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.83% | 1.01% | 0.07% | 0.34% | -46 bps | |
| Return on Equity | 9.95% | 10.72% | 12.07% | 0.82% | 4.20% | -575 bps | |
| Net Interest Margin | 4.62% | 4.77% | 5.08% | 5.11% | 4.87% | +26 bps | |
| Efficiency Ratio | 87.22% | 82.58% | 79.27% | 81.80% | 86.14% | -108 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.80% | 23.36% | 14.63% | 12.18% | 12.98% | -982 bps | |
| Loan Growth (YoY) | 15.17% | 29.71% | 31.14% | 30.38% | 23.42% | +825 bps | |
| Share Growth (YoY) | 19.35% | 16.22% | 9.06% | 9.33% | 10.09% | -926 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.11% | 2.36% | 0.29% | 0.01% | 1.84% | +73 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.35% | 0.39% | 0.85% | 0.66% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.07% | 7.78% | 8.36% | 8.16% | 8.06% | -1 bps | |
| Net Worth / Assets | 8.07% | 7.78% | 8.36% | 8.16% | 8.06% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.64% | 97.55% | 100.02% | 98.82% | 102.74% | +1,110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |