St. Albans, VT · Charter 64881
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.82% | 2.06% | -0.03% | -0.45% | 0.44% | -0.63% | -3.16% | -2.20% | -175 bps | |
| Return on Equity | 15.62% | 21.19% | -0.30% | -4.10% | 3.55% | -5.01% | -28.85% | -24.95% | -2,085 bps | |
| Net Interest Margin | 7.11% | 5.36% | 6.95% | 6.71% | 7.87% | 7.91% | 4.85% | 4.11% | -260 bps | |
| Efficiency Ratio | 75.07% | 62.60% | 100.49% | 97.97% | 94.73% | 100.12% | 139.34% | 140.49% | +4,252 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.18% | -10.84% | -5.23% | -13.16% | -0.63% | -22.97% | -1.24% | 10.06% | +2,323 bps | |
| Loan Growth (YoY) | -0.74% | -12.46% | 0.12% | -15.36% | -16.37% | -12.94% | -41.63% | -23.04% | -769 bps | |
| Share Growth (YoY) | -6.37% | -12.32% | -3.73% | -14.33% | -0.69% | -24.46% | -0.12% | 12.66% | +2,699 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.10% | 2.69% | 2.29% | 2.52% | 2.36% | 1.73% | 0.65% | 0.46% | -206 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 | 3.32% | 3.48% | 2.96% | 4.17% | 1.07% | 0.89% | 0.12% | 0.00% | -417 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.62% | 9.72% | 11.56% | 11.01% | 12.27% | 12.55% | 10.94% | 8.83% | -218 bps | |
| Net Worth / Assets | 11.62% | 9.72% | 11.56% | 11.01% | 12.27% | 12.55% | 10.94% | 8.83% | -218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.58% | 73.13% | 104.67% | 88.74% | 78.81% | 84.29% | 61.17% | 60.62% | -2,812 bps | |
| Liquid Assets / Assets | 19.28% | 35.76% | 8.95% | 22.65% | 29.55% | 25.02% | 44.26% | 43.35% | +2,070 bps | |