Grand Junction, CO · Charter 13769
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 | 4.73% | 4.29% | 3.79% | 3.48% | 0.96% | 0.72% | 1.16% | 1.47% | -201 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 9.99% | 12.95% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.98% | 5.28% | 5.49% | 6.09% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 78.59% | 80.47% | 77.55% | 74.40% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.95% | 10.06% | 19.53% | 31.77% | 31.69% | 23.30% | 19.36% | 16.57% | -1,520 bps | |
| Loan Growth (YoY) | 14.81% | 18.38% | 16.12% | 5.62% | 8.32% | 19.46% | 36.24% | 53.34% | +4,772 bps | |
| Share Growth (YoY) | 3.72% | 7.76% | 18.67% | 33.02% | 33.67% | 24.50% | 19.45% | 15.92% | -1,710 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 2.69% | 3.01% | 2.47% | 2.40% | 1.05% | 0.34% | 0.23% | -224 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 | 1.25% | 1.06% | 0.97% | 0.76% | 0.86% | 0.58% | 0.54% | 0.56% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 11.64% | 11.34% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 11.64% | 11.34% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.40% | 87.04% | 83.49% | 68.98% | 74.07% | 83.51% | 95.22% | 91.24% | +2,227 bps | |
| Liquid Assets / Assets | 16.77% | 18.45% | 18.51% | 34.93% | 19.67% | 16.99% | 109.68% | 15.90% | -1,904 bps | |