White River Jct, VT · Charter 64028
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
White River Jct, VT · Charter 64028
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.08% | 0.33% | 0.60% | 0.74% | 1.19% | 1.55% | 1.54% | +94 bps | |
| Return on Equity | 5.94% | 0.77% | 3.49% | 5.97% | 7.24% | 11.17% | 14.58% | 14.31% | +834 bps | |
| Net Interest Margin | 3.66% | 3.60% | 3.51% | 3.85% | 3.96% | 4.42% | 4.46% | 4.34% | +49 bps | |
| Efficiency Ratio | 85.93% | 98.19% | 92.35% | 87.39% | 84.68% | 74.25% | 69.78% | 70.34% | -1,705 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.36% | 9.08% | 9.33% | 13.42% | 10.10% | 3.71% | 0.62% | 7.12% | -630 bps | |
| Loan Growth (YoY) | 19.77% | 26.03% | 27.32% | 25.94% | 20.37% | 11.12% | 9.52% | 8.41% | -1,753 bps | |
| Share Growth (YoY) | 11.01% | 9.65% | 10.01% | 12.59% | 8.98% | 3.06% | -0.82% | 7.90% | -468 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 1.16% | 1.64% | 0.87% | 1.27% | 0.93% | 0.57% | 0.89% | +2 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 | 0.38% | 0.36% | 0.29% | 0.25% | 0.18% | 0.19% | 0.19% | 0.16% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.50% | 9.98% | 9.37% | 9.98% | 10.28% | 10.65% | 10.64% | 10.74% | +77 bps | |
| Net Worth / Assets | 10.50% | 9.98% | 9.37% | 9.98% | 10.28% | 10.65% | 10.64% | 10.74% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.79% | 85.87% | 82.67% | 91.51% | 93.65% | 92.58% | 91.29% | 91.94% | +43 bps | |
| Liquid Assets / Assets | 7.87% | 8.43% | 12.19% | 8.76% | 8.38% | 6.79% | 8.37% | 8.54% | -22 bps | |