Brandon, VT · Cert 6263
FDIC
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.47% | 1.41% | 1.09% | 1.33% | 2.06% | 1.17% | 1.14% | +5 bps | |
| Return on Equity | 11.01% | 14.52% | 14.13% | 10.63% | 12.38% | 19.08% | 11.03% | 10.68% | +5 bps | |
| Net Interest Margin | 4.50% | 4.46% | 4.45% | 4.26% | 4.53% | 4.29% | 4.15% | 4.17% | -9 bps | |
| Efficiency Ratio | 64.91% | 61.45% | 61.71% | 70.22% | 65.54% | 68.82% | 67.12% | 67.70% | -252 bps | |
| Non-Interest Burden | 2.63% | 2.41% | 2.45% | 2.75% | 2.67% | 2.69% | 2.56% | 2.59% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | 3.22% | 0.99% | -1.28% | -0.72% | 2.81% | 5.30% | 7.10% | +838 bps | |
| Loan Growth (YoY) | 5.85% | 7.48% | 1.25% | 3.50% | 2.27% | -2.25% | -1.46% | 3.63% | +13 bps | |
| Deposit Growth (YoY) | 4.23% | 1.62% | 0.26% | -1.15% | 0.43% | 5.61% | 7.55% | 8.90% | +1,005 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.02% | 0.44% | 0.03% | -0.01% | -0.07% | 0.00% | 0.05% | +2 bps | |
| Allowance / Loans | 1.45% | 1.38% | 1.29% | 1.34% | 1.33% | 0.91% | 0.90% | 0.88% | -47 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.77% | 19.93% | 20.05% | 20.95% | 21.40% | 21.59% | 20.58% | 20.99% | +4 bps | |
| Equity / Assets | 10.20% | 10.05% | 9.91% | 10.70% | 10.86% | 10.75% | 10.40% | 10.96% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.83% | 81.54% | 80.63% | 80.31% | 81.29% | 75.47% | 73.87% | 76.43% | -389 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.08% | 0.01% | 0.02% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |