Orleans, VT · Charter 64974
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Orleans, VT · Charter 64974
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.64% | 0.48% | 0.43% | -3.38% | -2.90% | -2.01% | -4.90% | -534 bps | |
| Return on Equity | 8.41% | 5.97% | 4.63% | 4.30% | -40.30% | -37.53% | -23.16% | -65.64% | -6,994 bps | |
| Net Interest Margin | 6.15% | 6.14% | 6.30% | 5.87% | 6.33% | 4.73% | 6.35% | 5.88% | +1 bps | |
| Efficiency Ratio | 79.02% | 76.89% | 73.81% | 92.88% | 80.87% | 101.23% | 93.38% | 35.84% | -5,703 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.42% | 5.67% | 12.91% | 6.74% | 2.90% | 8.55% | -4.30% | -7.22% | -1,397 bps | |
| Loan Growth (YoY) | 17.42% | 6.87% | 5.76% | 3.06% | -6.04% | -4.12% | -11.25% | -16.48% | -1,954 bps | |
| Share Growth (YoY) | 7.62% | 5.87% | 14.49% | 7.77% | 5.71% | 11.84% | -2.16% | -4.17% | -1,194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.14% | 1.21% | 5.54% | 7.20% | 3.44% | 5.19% | 9.22% | 7.63% | +43 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 | 0.98% | 0.97% | 1.14% | 1.18% | 1.56% | 1.91% | 2.02% | 2.22% | +104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.95% | 10.72% | 10.45% | 10.05% | 8.38% | 7.73% | 8.70% | 7.47% | -257 bps | |
| Net Worth / Assets | 10.95% | 10.72% | 10.45% | 10.05% | 8.38% | 7.73% | 8.70% | 7.47% | -257 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.08% | 97.18% | 100.60% | 93.66% | 88.95% | 83.32% | 91.25% | 81.63% | -1,203 bps | |
| Liquid Assets / Assets | 10.04% | 12.64% | 9.02% | 14.84% | 16.64% | 21.83% | 14.82% | 20.83% | +599 bps | |