Vergennes, VT · Charter 65214
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.99% | 0.79% | 0.67% | 0.45% | 0.29% | 0.75% | 0.32% | -36 bps | |
| Return on Equity | 7.15% | 8.80% | 7.55% | 6.56% | 4.79% | 3.17% | 7.68% | 3.26% | -331 bps | |
| Net Interest Margin | 5.33% | 5.14% | 4.46% | 4.27% | 4.21% | 3.71% | 4.10% | 4.11% | -15 bps | |
| Efficiency Ratio | 85.36% | 81.01% | 82.57% | 84.49% | 89.41% | 92.29% | 82.08% | 92.39% | +790 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.49% | 19.05% | 27.45% | 19.17% | 24.65% | 27.43% | 15.35% | 9.04% | -1,013 bps | |
| Loan Growth (YoY) | 7.80% | 5.31% | 10.71% | 10.40% | 18.59% | 24.15% | 5.98% | 9.15% | -126 bps | |
| Share Growth (YoY) | 31.13% | 20.59% | 30.72% | 21.26% | 27.08% | 30.76% | 17.72% | 10.83% | -1,043 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.35% | 16.83% | 14.77% | 11.41% | 16.31% | 12.42% | 10.58% | 7.64% | -377 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 | 3.44% | 3.33% | 3.00% | 2.94% | 2.92% | 2.70% | 2.85% | 2.39% | -56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.09% | 11.28% | 10.49% | 10.28% | 9.47% | 9.21% | 9.74% | 9.81% | -47 bps | |
| Net Worth / Assets | 11.09% | 11.28% | 10.49% | 10.28% | 9.47% | 9.21% | 9.74% | 9.81% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.33% | 80.99% | 81.29% | 80.76% | 73.10% | 76.90% | 73.18% | 79.53% | -123 bps | |
| Liquid Assets / Assets | 30.91% | 29.08% | 27.82% | 28.53% | 34.32% | 30.90% | 33.69% | 28.59% | +6 bps | |