Woodstock, VT · Cert 32727
FDIC
Q3 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.39% | 0.29% | 0.26% | 0.20% | 0.03% | 0.04% | -0.10% | -36 bps | |
| Return on Equity | 8.41% | 3.61% | 2.73% | 2.41% | 1.90% | 0.34% | 0.39% | -1.00% | -341 bps | |
| Net Interest Margin | 3.96% | 4.12% | 3.94% | 3.94% | 3.71% | 3.46% | 3.53% | 3.80% | -14 bps | |
| Efficiency Ratio | 85.29% | 87.63% | 90.74% | 92.02% | 93.37% | 100.12% | 99.52% | 102.77% | +1,075 bps | |
| Non-Interest Burden | 3.32% | 3.55% | 3.53% | 3.58% | 3.43% | 3.47% | 3.51% | 3.92% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.48% | 5.79% | 6.79% | 5.18% | 11.43% | 13.19% | -0.43% | -9.24% | -1,442 bps | |
| Loan Growth (YoY) | 5.95% | 3.06% | 4.02% | 1.94% | 4.24% | 0.84% | -2.91% | -1.66% | -360 bps | |
| Deposit Growth (YoY) | 9.33% | 4.88% | 7.99% | 7.60% | 16.20% | 18.63% | -0.14% | -8.84% | -1,644 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.15% | 1.16% | 1.13% | 1.13% | 1.12% | 1.17% | 1.18% | 1.16% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.84% | 15.06% | 14.54% | 14.27% | 13.76% | 14.11% | 14.37% | 14.06% | -22 bps | |
| Equity / Assets | 10.62% | 11.03% | 10.69% | 10.11% | 9.76% | 9.92% | 10.90% | 11.14% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.26% | 106.19% | 102.37% | 95.29% | 92.63% | 90.27% | 99.53% | 102.80% | +750 bps | |
| Liquid Assets / Assets | 0.05% | 0.16% | 0.15% | 0.15% | 0.14% | 0.14% | 0.15% | 0.16% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |