Fountain, CO · Charter 12861
Q3 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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.83% | 0.32% | -2.36% | -4.64% | -0.49% | -6.55% | -5.78% | -342 bps | |
| Return on Equity | 6.20% | 6.68% | 2.62% | -22.63% | -60.24% | -10.47% | -331% | -343% | -32,003 bps | |
| Net Interest Margin | 4.91% | 4.46% | 4.96% | 5.05% | 5.13% | 4.17% | 4.04% | 4.24% | -80 bps | |
| Efficiency Ratio | 75.81% | 71.89% | 75.53% | 78.13% | 86.37% | 99.30% | 178.94% | 175.90% | +9,778 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.39% | 14.49% | 16.78% | 10.22% | 6.61% | -2.08% | -13.94% | -23.09% | -3,331 bps | |
| Loan Growth (YoY) | 2.88% | 12.01% | 3.19% | -3.54% | -8.48% | -18.17% | -27.11% | -31.91% | -2,837 bps | |
| Share Growth (YoY) | 4.09% | 13.76% | 18.73% | 14.61% | 14.50% | 7.89% | -4.10% | -15.54% | -3,015 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.95% | 17.56% | 9.42% | 9.11% | 9.13% | 9.02% | 9.02% | 12.66% | +355 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 | 1.62% | 2.30% | 0.91% | 2.10% | 0.14% | 3.97% | 4.59% | 5.86% | +376 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.06% | 12.39% | 12.05% | 10.41% | 7.71% | 4.69% | 1.98% | 1.69% | -873 bps | |
| Net Worth / Assets | 13.06% | 12.39% | 12.05% | 10.41% | 7.71% | 4.69% | 1.98% | 1.69% | -873 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.91% | 100.52% | 96.95% | 92.09% | 82.25% | 76.24% | 73.69% | 74.24% | -1,785 bps | |
| Liquid Assets / Assets | 10.32% | 12.08% | 12.31% | 15.74% | 20.51% | 26.20% | 27.31% | 27.33% | +1,160 bps | |