Bennington, VT · Charter 64605
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Bennington, VT · Charter 64605
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.09% | 0.02% | -0.79% | -0.67% | -0.49% | -0.79% | -0.63% | +16 bps | |
| Return on Equity | -1.49% | -0.76% | 0.16% | -7.64% | -6.57% | -4.39% | -7.96% | -6.57% | +107 bps | |
| Net Interest Margin | 2.66% | 2.98% | 2.52% | 2.58% | 2.54% | 2.69% | 2.20% | 2.22% | -36 bps | |
| Efficiency Ratio | 97.03% | 95.87% | 99.49% | 106.67% | 108.76% | 109.09% | 119.41% | 126.51% | +1,984 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.61% | 6.77% | 8.27% | 3.78% | -4.08% | -1.45% | -4.74% | -1.85% | -563 bps | |
| Loan Growth (YoY) | 8.88% | 7.22% | -6.52% | -14.54% | -10.53% | -10.96% | -6.43% | -8.65% | +589 bps | |
| Share Growth (YoY) | 8.69% | 7.91% | 9.29% | 4.72% | -4.06% | -1.00% | -4.59% | -0.78% | -550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.39% | 1.24% | 0.96% | 1.18% | 1.39% | 0.80% | 1.78% | +82 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 | 0.76% | 0.76% | 0.62% | 0.92% | 0.91% | 0.88% | 0.81% | 0.34% | -57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.25% | 11.48% | 10.11% | 10.30% | 10.22% | 11.16% | 9.97% | 9.54% | -76 bps | |
| Net Worth / Assets | 10.25% | 11.48% | 10.11% | 10.30% | 10.22% | 11.16% | 9.97% | 9.54% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.91% | 42.38% | 32.71% | 33.93% | 34.42% | 38.11% | 32.08% | 31.23% | -269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |