Burlington, VT · Charter 61155
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Burlington, VT · Charter 61155
Q2 2000
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.69% | 2.72% | 3.69% | 3.23% | 3.20% | 2.95% | -0.77% | 0.25% | -299 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 5.72% | 5.77% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 83.20% | 96.34% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.51% | -12.14% | -17.27% | -15.37% | -18.02% | -14.38% | -9.14% | -15.47% | -10 bps | |
| Loan Growth (YoY) | -12.53% | -9.21% | -14.06% | -18.98% | -15.85% | -5.47% | -1.98% | -3.02% | +1,597 bps | |
| Share Growth (YoY) | -26.36% | -14.93% | -21.83% | -19.84% | -23.17% | -19.19% | -11.37% | -9.44% | +1,040 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.44% | 3.11% | 4.25% | 4.56% | 6.18% | 4.70% | 4.73% | 5.16% | +60 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 | 0.75% | 1.46% | 2.23% | 1.96% | 2.52% | 2.69% | 3.90% | 2.57% | +61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.87% | 89.78% | 96.13% | 90.61% | 95.14% | 105.01% | 106.32% | 97.04% | +643 bps | |
| Liquid Assets / Assets | 10.00% | 11.41% | 12.36% | 11.49% | 12.04% | 8.26% | 8.43% | 13.24% | +175 bps | |