Burlington, VT · Cert 34128
FDIC
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.10% | 2.50% | 2.99% | 1.84% | 3.56% | -54 bps | |
| Return on Equity | n/a | n/a | 7.39% | 4.40% | 8.26% | n/a | |
| Net Interest Margin | n/a | -4.78% | -4.09% | -3.47% | -2.55% | n/a | |
| Efficiency Ratio | n/a | 94.20% | 93.02% | 95.44% | 91.65% | n/a | |
| Non-Interest Burden | n/a | -9.27% | -9.56% | -6.69% | -8.66% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 5.43% | 2.03% | -8.41% | -4.27% | -8.66% | -1,409 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | -100.00% | -100.00% | n/a | n/a | n/a | n/a | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | n/a | -184.76% | -156.00% | -153.70% | -116.43% | n/a | |
| Equity / Assets | n/a | 39.81% | 41.13% | 42.45% | 43.74% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |