Randolph, VT · Cert 6281
FDIC
Q3 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.23% | 0.20% | 0.25% | 0.26% | 0.21% | 0.11% | -0.07% | -32 bps | |
| Return on Equity | 3.77% | 2.75% | 2.44% | 2.99% | 3.12% | 2.50% | 1.31% | -0.82% | -380 bps | |
| Net Interest Margin | 4.04% | 4.11% | 4.07% | 4.11% | 4.23% | 4.04% | 4.03% | 3.96% | -15 bps | |
| Efficiency Ratio | 88.44% | 91.76% | 91.88% | 90.51% | 89.66% | 91.91% | 94.31% | 98.36% | +785 bps | |
| Non-Interest Burden | 3.59% | 3.81% | 3.77% | 3.75% | 3.81% | 3.74% | 3.84% | 3.95% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.01% | 5.93% | 4.43% | -1.64% | -0.70% | -1.74% | -3.15% | -0.09% | +155 bps | |
| Loan Growth (YoY) | 1.39% | 3.90% | 2.41% | 2.07% | 0.09% | -1.92% | -0.41% | -2.55% | -462 bps | |
| Deposit Growth (YoY) | 9.48% | 7.38% | 5.09% | -1.98% | -0.80% | -1.75% | -3.42% | -0.05% | +193 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 | 0.04% | 0.00% | 0.12% | 0.15% | 0.16% | 0.00% | 0.03% | 0.29% | +14 bps | |
| Allowance / Loans | 1.20% | 1.21% | 1.18% | 1.14% | 1.14% | 1.17% | 1.18% | 1.02% | -12 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 | 13.98% | 13.85% | 13.73% | 13.76% | 13.97% | 14.10% | 14.22% | 14.10% | +34 bps | |
| Equity / Assets | 8.33% | 8.38% | 8.32% | 8.45% | 8.46% | 8.62% | 8.64% | 8.30% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.52% | 90.10% | 87.35% | 89.16% | 90.33% | 89.95% | 90.07% | 86.94% | -223 bps | |
| Liquid Assets / Assets | 11.31% | 10.53% | 12.39% | 10.86% | 12.29% | 11.56% | 11.29% | 15.14% | +428 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |