Newport, VT · Charter 64364
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Newport, VT · Charter 64364
Q3 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.49% | 1.10% | 0.69% | 1.14% | 0.69% | 1.47% | 2.65% | +196 bps | |
| Return on Equity | 9.58% | 5.98% | 11.45% | 7.29% | 10.79% | 7.20% | 14.97% | 23.40% | +1,611 bps | |
| Net Interest Margin | 3.99% | 5.67% | 6.44% | 6.41% | 6.78% | 5.96% | 6.45% | 6.31% | -9 bps | |
| Efficiency Ratio | 68.68% | 84.43% | 72.43% | 71.11% | 66.29% | 74.69% | 69.20% | 52.71% | -1,840 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.35% | 1.64% | -9.50% | -10.87% | -18.90% | -10.52% | 2.72% | -0.74% | +1,013 bps | |
| Loan Growth (YoY) | 13.15% | 5.38% | 11.04% | 10.88% | -3.31% | -3.30% | -3.27% | -0.27% | -1,115 bps | |
| Share Growth (YoY) | 11.51% | 1.75% | -11.31% | -12.77% | -20.89% | -11.78% | 2.49% | -2.69% | +1,009 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.41% | 1.11% | 0.96% | 1.60% | 1.78% | 1.61% | 2.44% | 2.69% | +110 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 | 0.89% | 0.83% | 0.70% | 0.91% | 1.20% | 1.15% | 1.20% | 0.87% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.05% | 8.24% | 9.62% | 9.52% | 10.53% | 9.53% | 9.84% | 11.34% | +182 bps | |
| Net Worth / Assets | 8.05% | 8.24% | 9.62% | 9.52% | 10.53% | 9.53% | 9.84% | 11.34% | +182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.68% | 87.76% | 102.16% | 101.12% | 104.72% | 96.19% | 96.42% | 103.62% | +251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |