Highlands Ranch, CO · Charter 23552
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.21% | 0.43% | 0.56% | 0.61% | 0.73% | 0.31% | 0.46% | -10 bps | |
| Return on Equity | 7.86% | 2.40% | 4.94% | 6.52% | 7.43% | 8.69% | 3.72% | 5.26% | -126 bps | |
| Net Interest Margin | 4.17% | 4.00% | 4.04% | 4.02% | 3.81% | 3.77% | 3.83% | 4.02% | 0 bps | |
| Efficiency Ratio | 83.41% | 93.15% | 90.72% | 85.44% | 83.13% | 80.86% | 91.06% | 89.15% | +371 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.64% | 14.62% | 7.42% | 8.23% | 15.49% | 11.89% | 14.41% | 7.61% | -63 bps | |
| Loan Growth (YoY) | 21.04% | 11.80% | 9.60% | 10.60% | 11.02% | 10.38% | 7.56% | 5.28% | -532 bps | |
| Share Growth (YoY) | 6.00% | 10.04% | 5.28% | 3.34% | 14.77% | 16.46% | 19.43% | 16.65% | +1,330 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.27% | 0.18% | 0.23% | 0.41% | 0.42% | 0.13% | 0.11% | -13 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 | 0.25% | 0.27% | 0.20% | 0.22% | 0.29% | 0.36% | 0.26% | 0.24% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.33% | 8.59% | 8.70% | 8.54% | 8.25% | 8.41% | 8.36% | 8.69% | +15 bps | |
| Net Worth / Assets | 9.33% | 8.59% | 8.70% | 8.54% | 8.25% | 8.41% | 8.36% | 8.69% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.42% | 101.28% | 102.91% | 108.91% | 101.98% | 96.00% | 92.68% | 98.30% | -1,061 bps | |
| Liquid Assets / Assets | 3.55% | 6.26% | 3.49% | 0.77% | 4.77% | 8.60% | 10.90% | 0.00% | -77 bps | |