St. Johnsbury, VT · Charter 24369
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.33% | -0.31% | -0.30% | 0.80% | 0.83% | 1.01% | 0.07% | 0.34% | -46 bps | |
| Return on Equity | -14.47% | -3.71% | -3.79% | 9.95% | 10.72% | 12.07% | 0.82% | 4.20% | -575 bps | |
| Net Interest Margin | 4.95% | 4.37% | 4.38% | 4.62% | 4.77% | 5.08% | 5.11% | 4.87% | +26 bps | |
| Efficiency Ratio | 94.05% | 87.57% | 90.55% | 87.22% | 82.58% | 79.27% | 81.80% | 86.14% | -108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.39% | 8.31% | 11.70% | 22.80% | 23.36% | 14.63% | 12.18% | 12.98% | -982 bps | |
| Loan Growth (YoY) | -9.04% | -6.20% | -2.02% | 15.17% | 29.71% | 31.14% | 30.38% | 23.42% | +825 bps | |
| Share Growth (YoY) | 5.49% | 17.78% | 29.24% | 19.35% | 16.22% | 9.06% | 9.33% | 10.09% | -926 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 1.31% | 1.25% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.30% | 0.29% | 0.29% | 0.26% | 0.35% | 0.39% | 0.85% | 0.66% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.16% | 8.37% | 7.96% | 8.07% | 7.78% | 8.36% | 8.16% | 8.06% | -1 bps | |
| Net Worth / Assets | 9.16% | 8.37% | 7.96% | 8.07% | 7.78% | 8.36% | 8.16% | 8.06% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.41% | 83.17% | 82.87% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |