Denver, CO · Charter 13286
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Denver, CO · Charter 13286
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.51% | -2.91% | -2.36% | -2.36% | -2.17% | -1.67% | -5.71% | -7.08% | -472 bps | |
| Return on Equity | -13.36% | -31.90% | -28.95% | -30.97% | -29.93% | -20.65% | -83.38% | -118.76% | -8,779 bps | |
| Net Interest Margin | 5.11% | 4.80% | 4.07% | 4.07% | 4.14% | 4.43% | 3.59% | 4.00% | -7 bps | |
| Efficiency Ratio | 106.49% | 112.66% | 150.63% | 147.55% | 142.74% | 141.39% | 151.62% | 161.19% | +1,364 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.20% | -4.54% | -0.89% | 4.26% | 5.98% | -6.32% | -12.31% | -23.28% | -2,754 bps | |
| Loan Growth (YoY) | 5.24% | -19.30% | -21.67% | -20.37% | -18.34% | -15.78% | -23.34% | -29.06% | -869 bps | |
| Share Growth (YoY) | -15.94% | -1.64% | 1.21% | 8.38% | 11.84% | -5.45% | -9.63% | -21.68% | -3,007 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 3.12% | 1.36% | 1.47% | 0.00% | 0.15% | 1.80% | 0.00% | -147 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 | 0.54% | 3.10% | 3.30% | 3.34% | 2.54% | 1.27% | 2.92% | 3.19% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.26% | 9.13% | 8.16% | 7.61% | 7.24% | 8.08% | 6.84% | 5.96% | -165 bps | |
| Net Worth / Assets | 11.26% | 9.13% | 8.16% | 7.61% | 7.24% | 8.08% | 6.84% | 5.96% | -165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.58% | 60.57% | 54.72% | 53.53% | 50.80% | 53.95% | 46.42% | 48.49% | -504 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |