La Junta, CO · Charter 12981
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
La Junta, CO · Charter 12981
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.58% | 3.08% | 4.29% | 3.56% | -0.38% | 0.07% | -0.08% | 0.13% | -344 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.56% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.76% | 5.43% | 6.01% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 70.00% | 101.44% | 98.00% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.99% | 3.37% | 3.67% | 1.39% | 2.20% | -6.41% | -19.31% | -30.15% | -3,154 bps | |
| Loan Growth (YoY) | -30.43% | -14.27% | -17.28% | 7.26% | 18.38% | -4.19% | -0.28% | -22.34% | -2,960 bps | |
| Share Growth (YoY) | -4.76% | 2.45% | 2.54% | -0.11% | 3.59% | -7.60% | -23.25% | -35.94% | -3,583 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.29% | 3.12% | 8.08% | 0.20% | 1.42% | 4.78% | 4.51% | -357 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% | 1.81% | 2.21% | 0.14% | 0.64% | 1.20% | 1.02% | 1.39% | +125 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.30% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.30% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.43% | 80.80% | 67.42% | 96.16% | 87.34% | 83.78% | 87.61% | 116.57% | +2,041 bps | |
| Liquid Assets / Assets | 25.68% | 25.89% | 35.29% | 8.29% | 14.35% | 22.54% | 19.44% | 6.90% | -139 bps | |