Brattleboro, VT · Charter 64463
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | -0.44% | 0.60% | 0.77% | 0.75% | -0.16% | -0.61% | -0.24% | -101 bps | |
| Return on Equity | 2.85% | -2.70% | 3.58% | 4.18% | 4.04% | -0.87% | -3.41% | -1.29% | -547 bps | |
| Net Interest Margin | 4.78% | 5.02% | 5.10% | 5.41% | 5.45% | 5.52% | 4.97% | 5.16% | -25 bps | |
| Efficiency Ratio | 90.40% | 104.23% | 86.35% | 84.67% | 85.47% | 102.80% | 100.60% | 96.96% | +1,229 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.30% | -5.00% | -1.87% | -6.49% | -7.29% | -3.77% | -5.41% | -2.11% | +439 bps | |
| Loan Growth (YoY) | -1.01% | -5.86% | -5.89% | -9.52% | -12.13% | -14.91% | -12.94% | -17.23% | -771 bps | |
| Share Growth (YoY) | -7.95% | -6.68% | -3.44% | -9.14% | -9.52% | -5.44% | -6.62% | -2.57% | +657 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 1.21% | 0.77% | 1.10% | 1.49% | 1.26% | 1.01% | 0.66% | -44 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 | 0.07% | 0.16% | 0.16% | 0.17% | 0.17% | 0.18% | 0.09% | 0.10% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.44% | 16.46% | 16.70% | 18.30% | 18.49% | 17.91% | 17.77% | 18.62% | +32 bps | |
| Net Worth / Assets | 16.44% | 16.46% | 16.70% | 18.30% | 18.49% | 17.91% | 17.77% | 18.62% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.38% | 89.92% | 87.96% | 91.61% | 92.63% | 80.91% | 82.01% | 77.82% | -1,379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |