Barre, VT · Charter 63696
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.09% | 1.11% | -2.63% | 0.59% | 0.66% | 0.57% | 0.90% | +352 bps | |
| Return on Equity | 8.77% | 8.11% | 8.12% | -21.05% | 4.44% | 4.97% | 4.34% | 7.01% | +2,806 bps | |
| Net Interest Margin | 3.20% | 3.16% | 3.16% | 2.91% | 3.04% | 3.03% | 2.98% | 2.85% | -6 bps | |
| Efficiency Ratio | 72.15% | 72.54% | 71.40% | 85.33% | 77.27% | 76.43% | 69.29% | 73.71% | -1,162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.67% | 13.31% | 13.36% | 12.46% | 6.88% | 7.99% | 9.97% | 9.40% | -305 bps | |
| Loan Growth (YoY) | -3.70% | -5.98% | -5.94% | -8.71% | -5.93% | -3.22% | -4.13% | -3.28% | +543 bps | |
| Share Growth (YoY) | 14.04% | 13.91% | 14.15% | 14.00% | 6.78% | 8.17% | 10.85% | 9.32% | -468 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.63% | 1.08% | 0.89% | 0.87% | 0.65% | 0.84% | 0.85% | -4 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 | 0.23% | 0.17% | 0.27% | 0.25% | 0.27% | 0.25% | 0.26% | 0.26% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.33% | 13.48% | 13.73% | 12.48% | 13.27% | 13.26% | 13.05% | 12.78% | +30 bps | |
| Net Worth / Assets | 13.33% | 13.48% | 13.73% | 12.48% | 13.27% | 13.26% | 13.05% | 12.78% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.73% | 61.43% | 59.97% | 54.24% | 55.26% | 54.96% | 51.87% | 47.99% | -625 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |