Gunnison, CO · Charter 15595
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Gunnison, CO · Charter 15595
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 1.29% | 1.77% | -0.05% | 0.72% | -1.71% | -1.78% | -1.87% | -182 bps | |
| Return on Equity | 0.94% | 19.44% | 27.30% | -0.80% | 11.03% | -31.13% | -42.37% | -46.61% | -4,581 bps | |
| Net Interest Margin | 4.03% | 5.25% | 4.42% | 4.41% | 3.51% | 5.13% | 4.40% | 4.54% | +13 bps | |
| Efficiency Ratio | 92.73% | 65.77% | 65.33% | 97.52% | 84.47% | 94.99% | 102.42% | 108.71% | +1,119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.19% | 22.55% | 23.70% | 18.99% | -0.66% | -0.66% | 5.80% | 2.91% | -1,607 bps | |
| Loan Growth (YoY) | 14.99% | -3.31% | -7.44% | 7.80% | 10.68% | 26.60% | 29.49% | 4.34% | -346 bps | |
| Share Growth (YoY) | 16.72% | 23.96% | 24.27% | 20.40% | -0.51% | 0.66% | 8.54% | 5.63% | -1,477 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.13% | 2.32% | 0.69% | 1.45% | 1.15% | 4.85% | 4.30% | 13.75% | +1,230 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 | 0.68% | 0.72% | 0.77% | 0.61% | 0.14% | 1.15% | 1.06% | 0.99% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.40% | 6.64% | 6.49% | 6.38% | 6.49% | 5.49% | 4.20% | 4.01% | -237 bps | |
| Net Worth / Assets | 6.40% | 6.64% | 6.49% | 6.38% | 6.49% | 5.49% | 4.20% | 4.01% | -237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.83% | 69.29% | 60.44% | 74.87% | 78.79% | 87.14% | 72.11% | 73.96% | -91 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |