La Junta, CO · Charter 13299
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.98% | 2.40% | 2.49% | 0.94% | -0.98% | -0.92% | -0.73% | -0.40% | -134 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -2.85% | -1.67% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.91% | 6.72% | 7.27% | 6.09% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 96.89% | 113.17% | 109.63% | 106.27% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.35% | 3.26% | -14.54% | -20.64% | -14.05% | -19.85% | -29.59% | -24.23% | -359 bps | |
| Loan Growth (YoY) | 11.66% | -28.89% | -42.65% | -43.99% | -43.56% | -52.31% | -54.64% | -56.67% | -1,268 bps | |
| Share Growth (YoY) | -0.75% | 9.67% | -19.75% | -25.38% | -15.61% | -23.20% | -35.17% | -29.22% | -384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.05% | 9.34% | 10.08% | 6.57% | 11.93% | 1.28% | 4.94% | 0.72% | -585 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 | 4.46% | 4.82% | 5.75% | 0.58% | 5.98% | 4.66% | 5.81% | 3.55% | +297 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 25.55% | 24.22% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 25.55% | 24.22% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.13% | 86.54% | 73.63% | 66.54% | 61.61% | 53.74% | 51.52% | 40.73% | -2,581 bps | |
| Liquid Assets / Assets | 17.99% | 0.00% | 37.07% | 38.42% | 45.34% | 15.29% | 20.83% | 42.72% | +430 bps | |