Springfield, VT · Charter 64024
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Springfield, VT · Charter 64024
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.96% | 0.95% | 1.08% | 1.25% | 1.56% | 1.52% | 1.37% | +28 bps | |
| Return on Equity | 5.84% | 10.62% | 10.86% | 12.25% | 14.25% | 17.05% | 15.79% | 14.23% | +198 bps | |
| Net Interest Margin | 4.50% | 4.53% | 4.40% | 4.36% | 4.73% | 4.91% | 5.05% | 4.90% | +54 bps | |
| Efficiency Ratio | 90.32% | 81.09% | 80.40% | 77.71% | 74.83% | 68.84% | 69.24% | 70.77% | -694 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.10% | 14.64% | 22.70% | 22.93% | 19.45% | 15.90% | 8.05% | 7.38% | -1,556 bps | |
| Loan Growth (YoY) | 12.31% | 24.19% | 30.95% | 32.36% | 32.95% | 20.78% | 14.68% | 12.51% | -1,985 bps | |
| Share Growth (YoY) | 18.81% | 15.04% | 24.01% | 23.85% | 19.78% | 15.62% | 6.98% | 6.40% | -1,745 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 1.12% | 1.63% | 2.26% | 1.71% | 1.41% | 1.53% | 1.41% | -84 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 | 0.47% | 0.46% | 0.36% | 0.32% | 0.33% | 0.34% | 0.26% | 0.32% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.00% | 9.01% | 8.77% | 8.85% | 8.78% | 9.17% | 9.64% | 9.61% | +76 bps | |
| Net Worth / Assets | 9.00% | 9.01% | 8.77% | 8.85% | 8.78% | 9.17% | 9.64% | 9.61% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.89% | 84.82% | 84.90% | 85.12% | 84.23% | 88.61% | 91.01% | 90.01% | +489 bps | |
| Liquid Assets / Assets | 19.99% | 12.30% | 11.89% | 12.21% | 12.96% | 4.72% | 5.77% | 7.91% | -430 bps | |