Longmont, CO · Charter 21315
Q3 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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.63% | -0.98% | 1.51% | 1.00% | -1.51% | -1.97% | 0.01% | 0.81% | -19 bps | |
| Return on Equity | n/a | n/a | n/a | 5.71% | -9.15% | -10.33% | 0.05% | 4.88% | -82 bps | |
| Net Interest Margin | n/a | 5.07% | 5.14% | 5.01% | 4.35% | 5.43% | 5.13% | 5.53% | +53 bps | |
| Efficiency Ratio | n/a | 100.67% | 72.41% | 81.01% | 115.87% | 124.21% | 85.12% | 76.35% | -466 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.40% | 15.30% | 4.48% | -0.75% | 0.67% | -14.87% | 1.76% | -0.14% | +61 bps | |
| Loan Growth (YoY) | -20.49% | -28.68% | -30.53% | -11.12% | 15.09% | 26.33% | 10.55% | 1.39% | +1,251 bps | |
| Share Growth (YoY) | 8.67% | 22.98% | 8.03% | -0.69% | 0.95% | -16.42% | -16.37% | -19.59% | -1,889 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.82% | 1.70% | 0.65% | 0.04% | 0.85% | 1.25% | 0.37% | 0.77% | +72 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 | 4.27% | 3.92% | 3.69% | 3.05% | 2.30% | 2.41% | 3.25% | 3.17% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 17.59% | 16.50% | 19.12% | 15.33% | 16.57% | -102 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 17.59% | 16.50% | 19.12% | 15.33% | 16.57% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.35% | 72.28% | 72.21% | 77.01% | 82.49% | 109.25% | 95.45% | 97.10% | +2,009 bps | |
| Liquid Assets / Assets | 33.46% | 31.96% | 31.66% | 36.38% | 29.69% | 10.25% | 34.57% | 35.27% | -111 bps | |