Montpelier, VT · Charter 64157
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.23% | 0.19% | 0.54% | 0.28% | 0.21% | 0.53% | -0.23% | -77 bps | |
| Return on Equity | 0.46% | 2.49% | 2.05% | 5.98% | 3.26% | 2.48% | 5.92% | -2.12% | -810 bps | |
| Net Interest Margin | 4.04% | 4.22% | 4.21% | 4.39% | 4.01% | 3.76% | 4.23% | 3.09% | -130 bps | |
| Efficiency Ratio | 93.20% | 88.59% | 91.07% | 83.71% | 90.96% | 92.51% | 101.97% | 106.10% | +2,238 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.08% | 16.77% | 13.40% | 15.25% | 8.02% | 12.94% | 5.45% | -16.26% | -3,151 bps | |
| Loan Growth (YoY) | 8.33% | 2.39% | 0.98% | -6.28% | -3.53% | -9.56% | -20.68% | -16.84% | -1,056 bps | |
| Share Growth (YoY) | 18.69% | 17.76% | 14.28% | 16.51% | 8.55% | 14.00% | 6.10% | -17.52% | -3,403 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.75% | 2.85% | 2.32% | 2.44% | 1.88% | 0.88% | 2.84% | 6.00% | +356 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 | 1.32% | 1.39% | 1.06% | 1.13% | 1.03% | 0.46% | 0.23% | 0.11% | -102 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.07% | 9.45% | 9.50% | 9.07% | 8.68% | 8.53% | 8.90% | 10.72% | +165 bps | |
| Net Worth / Assets | 9.07% | 9.45% | 9.50% | 9.07% | 8.68% | 8.53% | 8.90% | 10.72% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.44% | 66.43% | 68.14% | 57.63% | 58.15% | 52.70% | 50.94% | 58.10% | +47 bps | |
| Liquid Assets / Assets | 39.68% | 39.03% | 37.39% | 46.70% | 45.83% | 45.00% | 39.50% | 32.96% | -1,374 bps | |