PackageTrendsPeer
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Vermont National Bank

Brattleboro, VT · Cert 6265

FDIC

Q4 1999

$1.5BAssets
$1.1BLoans
$1.0BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -1.07%, down 199 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 102.94% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

-1.07%-199 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets0.82%0.88%0.89%0.92%0.86%-3.31%-1.67%-1.07%-199 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)75.33%74.73%-3.00%1.70%1.23%0.47%-3.69%-19.10%-2,080 bps
Loan Growth (YoY)57.74%64.70%2.93%6.83%10.24%8.87%4.81%-8.09%-1,492 bps
Deposit Growth (YoY)71.13%74.18%-0.26%6.11%3.23%1.95%-2.99%-32.59%-3,869 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits73.18%74.79%75.15%75.50%78.15%79.87%81.19%102.94%+2,744 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a