Greeley, CO · Charter 15893
Q4 2002
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.30% | 0.75% | 0.71% | 1.25% | 1.03% | 0.91% | 0.87% | +16 bps | |
| Return on Equity | n/a | 8.58% | 5.14% | 5.31% | 9.52% | 7.83% | 7.26% | 7.11% | +180 bps | |
| Net Interest Margin | 2.05% | 1.87% | 1.61% | 1.43% | 1.54% | 1.41% | 1.30% | 1.30% | -13 bps | |
| Efficiency Ratio | 14.53% | 16.26% | 16.77% | 16.24% | 19.00% | 27.18% | 20.56% | 17.09% | +86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.14% | 2.36% | 9.94% | 17.33% | 26.37% | 25.52% | 27.00% | 18.61% | +128 bps | |
| Loan Growth (YoY) | 10.61% | 10.84% | 5.66% | -0.89% | -5.45% | -7.85% | -7.91% | -9.77% | -887 bps | |
| Share Growth (YoY) | 8.42% | -0.34% | 8.71% | 17.75% | 29.17% | 29.29% | 30.54% | 20.57% | +283 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.27% | 0.00% | 0.02% | 0.10% | 0.20% | 0.19% | 0.51% | +49 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 | 0.25% | 0.56% | 0.41% | 0.62% | 0.70% | 0.61% | 0.64% | 0.68% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 15.10% | 14.58% | 13.43% | 13.10% | 13.17% | 12.49% | 12.26% | -118 bps | |
| Net Worth / Assets | n/a | 15.10% | 14.58% | 13.43% | 13.10% | 13.17% | 12.49% | 12.26% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.43% | 61.81% | 56.95% | 49.12% | 44.96% | 44.06% | 40.17% | 36.76% | -1,236 bps | |
| Liquid Assets / Assets | 16.95% | 21.28% | 19.36% | 27.03% | 24.98% | 17.44% | 24.91% | 11.40% | -1,563 bps | |