Colorado Spring, CO · Charter 22290
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.76% | 4.24% | 4.14% | 4.73% | 4.58% | 4.33% | 4.31% | 4.51% | -22 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 14.36% | 11.71% | 11.11% | 13.76% | 14.94% | +58 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 36.08% | 33.36% | 39.91% | 31.21% | 16.90% | -1,918 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 14.26% | 11.15% | 10.24% | 12.69% | 13.33% | -93 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 1.14% | 0.70% | 0.93% | 1.17% | 1.12% | 1.07% | 1.42% | +49 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 | 0.76% | 0.81% | 0.81% | 0.75% | 0.86% | 0.95% | 0.82% | 0.80% | +5 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 | 58.09% | 57.63% | 59.43% | 61.91% | 69.70% | 73.14% | 69.19% | 63.86% | +195 bps | |
| Liquid Assets / Assets | 21.73% | 26.04% | 22.00% | 26.61% | 19.22% | 24.75% | 23.20% | 18.81% | -779 bps | |