Colorado Spri, CO · Charter 12055
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Colorado Spri, CO · Charter 12055
Q1 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 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.05% | 1.52% | 1.11% | 0.52% | -3.09% | -3.14% | 0.44% | -68 bps | |
| Return on Equity | n/a | 0.11% | 3.43% | 2.55% | 1.23% | -7.57% | -7.68% | 1.09% | -147 bps | |
| Net Interest Margin | 5.68% | 5.51% | 6.05% | 5.61% | 4.91% | 6.36% | 5.06% | 4.19% | -142 bps | |
| Efficiency Ratio | 77.47% | 73.22% | 67.97% | 71.76% | 79.13% | 63.07% | 77.09% | 77.14% | +538 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.13% | -4.99% | -11.57% | -2.72% | 7.64% | 0.40% | 1.54% | 0.80% | +352 bps | |
| Loan Growth (YoY) | -10.12% | 6.64% | -4.09% | -3.75% | -6.08% | -14.42% | -19.65% | -21.01% | -1,726 bps | |
| Share Growth (YoY) | -18.56% | -9.80% | -20.39% | -6.22% | 12.49% | 3.30% | 8.33% | 7.02% | +1,324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.19% | 6.88% | 3.76% | 10.80% | 13.02% | 13.18% | 20.52% | 22.60% | +1,180 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 | 1.94% | 2.38% | 2.34% | 2.92% | 3.13% | 6.89% | 7.61% | 8.76% | +584 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 42.18% | 44.26% | 43.65% | 42.23% | 40.80% | 40.83% | 40.30% | -335 bps | |
| Net Worth / Assets | n/a | 42.18% | 44.26% | 43.65% | 42.23% | 40.80% | 40.83% | 40.30% | -335 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 148.78% | 149.98% | 158.74% | 138.63% | 124.21% | 124.25% | 117.74% | 102.32% | -3,631 bps | |
| Liquid Assets / Assets | 10.09% | 13.59% | 11.71% | 22.68% | 29.45% | 20.75% | 24.67% | 40.33% | +1,765 bps | |