Springfield, VT · Charter 24738
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Springfield, VT · Charter 24738
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | 0.18% | 0.37% | -2.26% | 0.32% | 0.62% | 0.48% | 1.01% | +327 bps | |
| Return on Equity | -0.67% | 1.67% | 3.32% | -22.31% | 3.01% | 5.70% | 4.41% | 9.34% | +3,164 bps | |
| Net Interest Margin | 4.27% | 4.32% | 4.42% | 4.18% | 4.24% | 4.31% | 4.45% | 4.37% | +20 bps | |
| Efficiency Ratio | 84.88% | 84.00% | 81.09% | 89.26% | 85.58% | 71.83% | 74.85% | 79.62% | -963 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.17% | 6.43% | 5.90% | 5.13% | 5.29% | 6.50% | 5.90% | 5.95% | +82 bps | |
| Loan Growth (YoY) | 3.17% | 0.58% | 4.31% | 4.14% | 6.52% | 10.01% | 6.74% | 4.10% | -4 bps | |
| Share Growth (YoY) | 4.66% | 7.13% | 6.47% | 5.93% | 5.30% | 6.47% | 5.41% | 4.65% | -128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.81% | 1.19% | 1.21% | 1.20% | 1.81% | 1.67% | 1.89% | +68 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 | 0.52% | 0.55% | 0.57% | 0.61% | 0.60% | 0.53% | 0.53% | 0.50% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.61% | 10.90% | 11.09% | 10.14% | 10.60% | 10.91% | 10.95% | 10.83% | +68 bps | |
| Net Worth / Assets | 10.61% | 10.90% | 11.09% | 10.14% | 10.60% | 10.91% | 10.95% | 10.83% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.54% | 91.06% | 93.20% | 90.12% | 90.58% | 94.08% | 94.38% | 89.64% | -48 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |