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Provenant

Denver, CO · Charter 19477

Q3 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Provenant

Denver, CO · Charter 19477

Q3 2009

$7.4MAssets
$3.5MLoans
$6.5MShares
$858KNet Worth

Executive Summary

  • Earnings: ROA of 0.37%, up 17 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.51% of loans (+12 bps YoY).
  • Capital: net worth / assets of 11.60%, down 12 bps from a year ago.
  • Funding: loans stand at 54.38% of shares as of Q3 2009.

Return on Assets (YTD, annualized)

0.37%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.88%-23 bps YoY

Efficiency Ratio (YTD, annualized)

78.38%-1,223 bps YoY

Net Worth / Assets

11.60%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets1.05%0.57%0.62%0.20%0.18%-2.08%0.19%0.37%+17 bps
Return on Equity8.75%4.88%5.15%1.73%1.48%-18.76%1.67%3.17%+144 bps
Net Interest Margin4.47%4.09%4.14%4.11%4.12%3.95%3.97%3.88%-23 bps
Efficiency Ratio80.28%85.21%85.81%90.60%92.34%95.95%90.57%78.38%-1,223 bps
Growth
Asset Growth (YoY)0.10%-2.28%-3.31%-1.20%1.69%0.72%3.24%3.72%+492 bps
Loan Growth (YoY)4.29%6.65%0.45%-3.46%-3.31%-4.84%-1.00%-6.42%-296 bps
Share Growth (YoY)0.81%-4.06%-4.50%-1.92%0.74%1.23%2.79%3.76%+568 bps
Asset Quality
Delinquent Loans / Loans0.23%0.07%0.41%0.39%0.38%0.00%0.38%0.51%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.42%0.37%0.33%0.62%0.61%0.29%0.29%0.27%-36 bps
Capital
Risk-Based Capital12.04%11.64%12.05%11.72%12.02%11.07%11.60%11.60%-12 bps
Net Worth / Assets12.04%11.64%12.05%11.72%12.02%11.07%11.60%11.60%-12 bps
Liquidity & Funding
Loans / Shares65.92%62.03%61.19%60.30%63.27%58.31%58.93%54.38%-592 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps