Rutland, VT · Charter 61482
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.97% | 3.75% | 4.17% | 2.56% | -0.18% | -0.04% | 0.13% | 0.66% | -190 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 1.71% | 8.72% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.37% | 5.19% | 5.79% | 5.81% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 99.61% | 94.30% | 90.43% | 82.41% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.87% | -5.90% | 0.28% | 12.63% | 8.19% | 30.87% | 18.44% | 8.72% | -392 bps | |
| Loan Growth (YoY) | 1.94% | -3.45% | -10.15% | -5.41% | 13.67% | 24.96% | 21.66% | 14.50% | +1,990 bps | |
| Share Growth (YoY) | 2.76% | -8.99% | -0.68% | 14.12% | 4.67% | 35.60% | 20.49% | 8.31% | -581 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.41% | 1.11% | 1.76% | 2.01% | 1.20% | 1.35% | 1.19% | 0.60% | -141 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 | 1.29% | 1.62% | 1.18% | 1.05% | 0.65% | 0.63% | 0.90% | 0.69% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 7.62% | 7.56% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 7.62% | 7.56% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.13% | 89.16% | 90.16% | 82.24% | 103.32% | 82.16% | 91.04% | 86.93% | +470 bps | |
| Liquid Assets / Assets | 8.93% | 15.31% | 16.62% | 4.43% | 4.28% | 18.27% | 14.36% | 18.33% | +1,390 bps | |