Denver, CO · Charter 19933
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Denver, CO · Charter 19933
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.45% | 0.54% | -1.24% | -1.48% | -1.56% | -0.67% | -0.66% | +58 bps | |
| Return on Equity | 3.86% | 3.67% | 4.35% | -10.67% | -13.06% | -14.62% | -6.14% | -6.27% | +440 bps | |
| Net Interest Margin | 4.07% | 3.99% | 3.96% | 3.67% | 3.63% | 3.36% | 3.44% | 3.24% | -43 bps | |
| Efficiency Ratio | 89.78% | 89.51% | 88.60% | 91.12% | 92.32% | 102.81% | 90.88% | 101.43% | +1,031 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | 3.58% | 3.53% | 4.42% | 4.78% | 10.19% | 7.29% | 4.72% | +30 bps | |
| Loan Growth (YoY) | -9.51% | -4.21% | 0.37% | -1.49% | -5.57% | -3.29% | -2.95% | 0.50% | +198 bps | |
| Share Growth (YoY) | -3.48% | 3.79% | 2.66% | 4.54% | 5.13% | 10.53% | 9.28% | 6.21% | +167 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.05% | 6.12% | 7.78% | 7.47% | 1.12% | 1.61% | 0.75% | 0.57% | -691 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 | 1.54% | 1.45% | 1.31% | 1.52% | 1.85% | 2.06% | 1.51% | 1.50% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.36% | 12.30% | 12.49% | 11.65% | 11.35% | 10.67% | 10.97% | 10.59% | -106 bps | |
| Net Worth / Assets | 12.36% | 12.30% | 12.49% | 11.65% | 11.35% | 10.67% | 10.97% | 10.59% | -106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.92% | 69.85% | 71.81% | 65.63% | 63.70% | 61.12% | 63.78% | 62.10% | -353 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |