PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Stratevest Group, N.A., The

Burlington, VT · Cert 34128

FDIC

Q4 2001

$36.2MAssets
n/aLoans
n/aDeposits
$15.9MEquity

Executive Summary

  • Earnings: ROA of 3.56%, down 54 bps year over year; NIM at -2.55%.

Return on Assets (quarter, annualized)

3.56%-54 bps YoY

Net Interest Margin (quarter, annualized)

-2.55%

Efficiency Ratio (quarter, annualized)

91.65%

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.09%Q1 ’010.08%Q3 ’010.07%Q4 ’01+27%+27%

Non-interest income vs. expense

72.89%Q1 ’0167.49%Q3 ’0167.05%Q4 ’01+28%-29%

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets6.24%1.17%3.31%4.10%2.50%2.99%1.84%3.56%-54 bps
Return on Equityn/an/an/an/an/a7.39%4.40%8.26%n/a
Net Interest Marginn/an/an/an/a-4.78%-4.09%-3.47%-2.55%n/a
Efficiency Ration/an/an/an/a94.20%93.02%95.44%91.65%n/a
Non-Interest Burdenn/an/an/an/a-9.27%-9.56%-6.69%-8.66%n/a
Growth
Asset Growth (YoY)-5.23%4.72%-0.40%5.43%2.03%-8.41%-4.27%-8.66%-1,409 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)-33.33%-100.00%-100.00%-100.00%-100.00%n/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a-184.76%-156.00%-153.70%-116.43%n/a
Equity / Assetsn/an/an/an/a39.81%41.13%42.45%43.74%n/a
Liquidity & Funding
Loans / Deposits0.00%n/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a