So Londonderry, VT · Charter 65524
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.22% | 4.76% | 1.25% | 2.25% | 1.56% | 0.03% | -0.79% | -4.85% | -710 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 24.14% | 0.53% | -13.79% | -126.08% | n/a | |
| Net Interest Margin | n/a | n/a | 4.31% | 5.00% | 4.72% | 4.59% | 4.25% | 4.69% | -31 bps | |
| Efficiency Ratio | n/a | n/a | 62.69% | 57.12% | 57.65% | 67.76% | 77.97% | 109.38% | +5,226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 77.41% | 96.48% | 82.48% | 62.12% | 38.74% | 24.40% | 18.83% | 1.29% | -6,083 bps | |
| Loan Growth (YoY) | 64.75% | 65.49% | 65.55% | 72.39% | 57.88% | 29.46% | 2.50% | -18.81% | -9,120 bps | |
| Share Growth (YoY) | 79.36% | 99.66% | 88.61% | 61.92% | 36.27% | 22.36% | 18.66% | 4.35% | -5,757 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.10% | 1.19% | 1.73% | 0.73% | 3.51% | 5.95% | 6.84% | 6.44% | +571 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 | 1.25% | 0.91% | 0.96% | 0.83% | 1.10% | 1.77% | 3.06% | 5.09% | +426 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 6.48% | 6.23% | 5.71% | 3.85% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 6.48% | 6.23% | 5.71% | 3.85% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.04% | 78.51% | 89.56% | 95.65% | 91.57% | 83.07% | 77.36% | 74.42% | -2,123 bps | |
| Liquid Assets / Assets | 17.13% | 18.08% | 3.16% | 4.10% | 12.35% | 18.33% | 24.45% | 28.14% | +2,404 bps | |