Rutland, VT · Charter 63852
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rutland, VT · Charter 63852
Q1 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.76% | -0.95% | -1.18% | -1.17% | -1.20% | -44 bps | |
| Return on Equity | -9.95% | -12.32% | -15.39% | -14.84% | -16.22% | -627 bps | |
| Net Interest Margin | 1.60% | 1.61% | 1.67% | 1.75% | 1.60% | +1 bps | |
| Efficiency Ratio | 139.87% | 146.01% | 157.56% | 154.79% | 163.37% | +2,349 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.50% | -2.91% | -9.74% | -12.25% | -10.96% | -1,146 bps | |
| Loan Growth (YoY) | 5.76% | 6.49% | 13.62% | 2.85% | -3.32% | -908 bps | |
| Share Growth (YoY) | 2.37% | -1.65% | -8.87% | -11.89% | -10.65% | -1,302 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.00% | 0.00% | 0.00% | 0.00% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.08% | 0.19% | 0.21% | 0.20% | 0.22% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.67% | 7.70% | 7.70% | 7.87% | 7.39% | -28 bps | |
| Net Worth / Assets | 7.67% | 7.70% | 7.70% | 7.87% | 7.39% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 15.70% | 16.25% | 17.14% | 18.83% | 16.99% | +129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |