Windsor, VT · Charter 64737
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.27% | -0.01% | 0.20% | 0.19% | 0.25% | -0.15% | -0.62% | -82 bps | |
| Return on Equity | -3.05% | -3.46% | -0.15% | 2.41% | 2.32% | 3.19% | -2.00% | -8.45% | -1,087 bps | |
| Net Interest Margin | 2.84% | 2.87% | 2.85% | 3.04% | 2.98% | 2.93% | 2.74% | 2.66% | -37 bps | |
| Efficiency Ratio | 91.04% | 88.85% | 86.23% | 84.21% | 85.21% | 80.45% | 87.78% | 97.59% | +1,339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.39% | 1.81% | 3.40% | -3.59% | 1.71% | 3.54% | 5.30% | 6.54% | +1,013 bps | |
| Loan Growth (YoY) | -2.62% | -3.29% | -0.92% | -2.29% | -1.29% | -2.82% | -8.68% | -9.26% | -698 bps | |
| Share Growth (YoY) | 0.55% | 1.67% | 3.33% | -4.20% | 1.60% | 4.04% | 6.18% | 8.23% | +1,242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 1.51% | 1.55% | 0.98% | 1.50% | 1.00% | 1.48% | 1.73% | +76 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 | 0.90% | 0.93% | 0.95% | 0.93% | 0.94% | 1.06% | 1.39% | 1.56% | +63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.00% | 7.77% | 7.89% | 8.24% | 8.06% | 7.81% | 7.60% | 7.31% | -93 bps | |
| Net Worth / Assets | 8.00% | 7.77% | 7.89% | 8.24% | 8.06% | 7.81% | 7.60% | 7.31% | -93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.10% | 45.10% | 46.64% | 48.42% | 45.76% | 42.12% | 40.11% | 40.59% | -782 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |