Rutland, VT · Charter 65165
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.56% | -1.44% | -1.25% | -1.22% | -1.26% | -1.97% | -1.71% | -1.63% | -41 bps | |
| Return on Equity | -14.12% | -13.58% | -12.62% | -11.73% | -12.23% | -21.29% | -19.69% | -18.55% | -682 bps | |
| Net Interest Margin | 2.81% | 2.66% | 2.59% | 2.85% | 2.89% | 2.45% | 2.46% | 2.59% | -25 bps | |
| Efficiency Ratio | 143.79% | 154.13% | 148.08% | 142.93% | 143.53% | 180.44% | 169.52% | 162.90% | +1,997 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.55% | -1.02% | 0.10% | -4.27% | -4.34% | 1.28% | -1.01% | 1.73% | +600 bps | |
| Loan Growth (YoY) | -11.13% | -10.20% | -2.37% | -6.23% | -3.08% | 2.49% | -2.70% | -4.11% | +212 bps | |
| Share Growth (YoY) | 6.54% | 0.74% | 1.84% | -3.19% | -3.48% | 2.77% | 0.35% | 3.48% | +666 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.86% | 5.43% | 3.72% | 4.11% | 3.10% | 2.18% | 1.80% | 2.26% | -185 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 | 1.97% | 2.19% | 1.13% | 1.02% | 1.05% | 1.10% | 1.12% | 1.15% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.06% | 10.61% | 9.87% | 10.42% | 10.31% | 9.25% | 8.68% | 8.80% | -162 bps | |
| Net Worth / Assets | 11.06% | 10.61% | 9.87% | 10.42% | 10.31% | 9.25% | 8.68% | 8.80% | -162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.43% | 45.55% | 45.71% | 50.03% | 50.64% | 45.42% | 44.32% | 46.36% | -367 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |