St. Johnsbury, VT · Charter 60812
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.34% | 2.65% | 1.53% | 3.32% | 1.18% | 2.49% | 1.62% | -0.92% | -424 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 10.85% | -6.67% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 7.43% | 8.62% | 8.94% | 6.47% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 84.55% | 70.55% | 81.92% | 114.26% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.20% | -6.79% | -9.19% | -5.00% | 6.36% | -3.58% | -0.81% | -7.89% | -290 bps | |
| Loan Growth (YoY) | -17.60% | -8.82% | -8.86% | 2.52% | 13.57% | -3.55% | -13.17% | -12.20% | -1,471 bps | |
| Share Growth (YoY) | -15.04% | -8.16% | -5.76% | -6.71% | -2.91% | -4.96% | -2.79% | -9.58% | -287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.01% | 10.12% | 0.97% | 1.50% | 6.81% | 4.04% | 4.71% | 1.70% | +21 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 | 1.94% | 1.75% | 1.98% | 2.08% | 2.01% | 1.48% | 2.05% | 2.09% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 14.90% | 13.83% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 14.90% | 13.83% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.63% | 103.64% | 110.60% | 102.05% | 122.39% | 105.17% | 98.79% | 99.09% | -295 bps | |
| Liquid Assets / Assets | 3.19% | 9.40% | 0.00% | 0.03% | 0.01% | 0.00% | 10.84% | 2.42% | +238 bps | |