St. Albans, VT · Charter 64027
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
St. Albans, VT · Charter 64027
Q3 2002
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.91% | 0.13% | 0.69% | 0.00% | -0.55% | -446 bps | |
| Return on Equity | 29.59% | 0.95% | 4.93% | 0.00% | -4.03% | -3,362 bps | |
| Net Interest Margin | 7.89% | 6.64% | 4.63% | 3.73% | 3.54% | -435 bps | |
| Efficiency Ratio | 50.49% | 98.04% | 85.14% | 100.00% | 115.56% | +6,506 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.52% | -3.24% | 1.06% | -5.20% | 2.63% | +11 bps | |
| Loan Growth (YoY) | -2.70% | -31.53% | -49.17% | -56.80% | -64.15% | -6,146 bps | |
| Share Growth (YoY) | 0.41% | -5.93% | 0.56% | -7.39% | 5.96% | +554 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.76% | 4.97% | 5.03% | 3.30% | 6.60% | +284 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.26% | 3.84% | 4.82% | 4.05% | 5.32% | +107 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.20% | 13.75% | 13.96% | 14.09% | 13.66% | +46 bps | |
| Net Worth / Assets | 13.20% | 13.75% | 13.96% | 14.09% | 13.66% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.12% | 39.45% | 33.36% | 22.03% | 18.99% | -3,714 bps | |
| Liquid Assets / Assets | 44.58% | 54.29% | 72.25% | 52.53% | 54.24% | +966 bps | |