Denver, CO · Charter 21336
Q2 2000
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.36% | 4.78% | 4.72% | 4.69% | 4.79% | 4.52% | 1.14% | 0.91% | -378 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 | 3.71% | 3.79% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 72.59% | 78.62% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.32% | 15.00% | 19.87% | 13.74% | 13.39% | 24.69% | 18.98% | 16.61% | +288 bps | |
| Loan Growth (YoY) | 25.43% | 30.51% | 37.34% | 38.14% | 25.84% | 13.69% | 15.12% | 9.93% | -2,821 bps | |
| Share Growth (YoY) | 19.61% | 13.66% | 18.92% | 12.24% | 11.80% | 24.30% | 18.03% | 15.47% | +323 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.38% | 0.26% | 0.55% | 0.39% | 0.55% | 0.51% | 0.79% | +24 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 | 1.38% | 1.24% | 1.07% | 0.90% | 0.87% | 0.75% | 0.57% | 0.51% | -39 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 | 67.32% | 73.74% | 75.82% | 76.40% | 75.78% | 67.44% | 73.95% | 72.73% | -367 bps | |
| Liquid Assets / Assets | 9.91% | 17.28% | 12.86% | 17.83% | 15.03% | 14.33% | 8.37% | 6.53% | -1,130 bps | |