Burlington, VT · Charter 61340
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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 61340
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.26% | 0.45% | -0.31% | -0.14% | -0.04% | 0.07% | -3.00% | -269 bps | |
| Return on Equity | -0.05% | 3.56% | 5.87% | -4.38% | -2.09% | -0.64% | 0.99% | -50.68% | -4,631 bps | |
| Net Interest Margin | 4.55% | 4.75% | 4.86% | 4.57% | 4.32% | 4.50% | 4.70% | 4.78% | +22 bps | |
| Efficiency Ratio | 94.86% | 91.77% | 91.46% | 102.54% | 98.56% | 95.52% | 93.75% | 95.95% | -659 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.30% | 5.44% | 1.63% | 0.09% | 9.15% | 10.59% | 9.61% | 7.43% | +734 bps | |
| Loan Growth (YoY) | -1.65% | 2.91% | 9.19% | 6.79% | 6.65% | 2.50% | 3.94% | 6.02% | -77 bps | |
| Share Growth (YoY) | 3.45% | 5.51% | 1.31% | -0.39% | 9.46% | 11.51% | 10.22% | 8.56% | +895 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.59% | 0.74% | 0.51% | 1.14% | 1.34% | 4.46% | 4.26% | +376 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 | 0.55% | 0.54% | 0.39% | 0.39% | 0.37% | 0.39% | 0.45% | 0.48% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.94% | 7.23% | 7.59% | 7.09% | 6.69% | 6.73% | 6.93% | 5.93% | -116 bps | |
| Net Worth / Assets | 6.94% | 7.23% | 7.59% | 7.09% | 6.69% | 6.73% | 6.93% | 5.93% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.06% | 70.83% | 72.62% | 64.67% | 63.39% | 65.11% | 68.49% | 63.16% | -152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |