Englewood, CO · Charter 17770
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.18% | 5.85% | 5.28% | 4.92% | 5.46% | 5.72% | 5.67% | 6.20% | +127 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -4.87% | 11.88% | 22.29% | 19.92% | 30.49% | 17.24% | -4.46% | -2,676 bps | |
| Loan Growth (YoY) | n/a | 50.46% | 19.62% | 15.32% | 19.90% | 8.89% | 26.46% | 26.37% | +1,105 bps | |
| Share Growth (YoY) | n/a | -8.91% | 10.68% | 23.00% | 20.00% | 32.48% | 16.37% | -9.31% | -3,231 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.27% | 0.26% | 0.25% | 0.20% | 0.15% | 0.49% | 0.31% | +6 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 | 0.29% | 0.25% | 0.28% | 0.35% | 0.43% | 0.54% | 0.66% | 0.65% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.26% | 81.55% | 62.96% | 56.14% | 67.20% | 67.02% | 68.42% | 78.23% | +2,209 bps | |
| Liquid Assets / Assets | 30.49% | 25.70% | 30.24% | 32.34% | 29.81% | 20.65% | 23.72% | 24.61% | -773 bps | |