Wheat Ridge, CO · Charter 21434
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Wheat Ridge, CO · Charter 21434
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | -0.22% | -0.03% | 0.17% | 0.17% | 0.14% | 0.11% | -0.06% | -23 bps | |
| Return on Equity | 8.86% | -2.42% | -0.31% | 2.02% | 1.99% | 1.73% | 1.39% | -0.82% | -284 bps | |
| Net Interest Margin | 4.70% | 3.88% | 3.65% | 3.66% | 3.69% | 3.76% | 3.65% | 3.73% | +6 bps | |
| Efficiency Ratio | 80.10% | 101.62% | 97.70% | 94.42% | 94.75% | 94.12% | 90.25% | 94.18% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.36% | 22.27% | 29.73% | 32.63% | 34.70% | 13.55% | 16.87% | 13.65% | -1,898 bps | |
| Loan Growth (YoY) | 54.85% | 21.65% | 16.35% | 15.25% | 15.37% | 25.43% | 13.02% | 30.73% | +1,548 bps | |
| Share Growth (YoY) | 9.18% | 23.30% | 39.60% | 41.69% | 42.88% | 14.21% | 17.87% | 15.24% | -2,645 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.33% | 0.49% | 0.03% | 0.15% | 0.27% | 0.51% | 0.35% | +32 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 | 1.06% | 0.94% | 0.57% | 0.40% | 0.32% | 0.33% | 0.29% | 0.32% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.20% | 9.26% | 8.75% | 8.44% | 8.41% | 8.37% | 7.65% | 7.45% | -99 bps | |
| Net Worth / Assets | 11.20% | 9.26% | 8.75% | 8.44% | 8.41% | 8.37% | 7.65% | 7.45% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.14% | 74.91% | 76.83% | 78.06% | 79.25% | 82.27% | 73.67% | 88.55% | +1,049 bps | |
| Liquid Assets / Assets | 5.17% | 26.59% | 24.86% | 23.65% | 20.61% | 9.36% | 21.26% | 12.66% | -1,100 bps | |