Trinidad, CO · Charter 2974
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 3.45% | 2.73% | 1.06% | 1.42% | 1.69% | 1.13% | 0.85% | -21 bps | |
| Return on Equity | n/a | n/a | 12.89% | 4.79% | 6.78% | 7.51% | 5.01% | 3.76% | -104 bps | |
| Net Interest Margin | 5.04% | 5.74% | 5.69% | 3.98% | 4.55% | 5.08% | 3.39% | 2.54% | -144 bps | |
| Efficiency Ratio | 58.19% | 42.88% | 53.17% | 69.08% | 68.83% | 66.73% | 66.73% | 66.73% | -236 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.15% | 1.83% | -6.24% | -13.15% | -3.47% | -9.97% | -0.59% | 1.17% | +1,432 bps | |
| Loan Growth (YoY) | 27.49% | 10.89% | -22.91% | -23.41% | -23.94% | -44.01% | -30.57% | -27.96% | -455 bps | |
| Share Growth (YoY) | 4.08% | -2.97% | -12.91% | -20.59% | -8.48% | -14.99% | -2.81% | -0.35% | +2,024 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.33% | 0.00% | 2.29% | 9.59% | 9.59% | 9.59% | +959 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 | 1.11% | 1.26% | 1.56% | 1.62% | 3.13% | 4.47% | 4.47% | 4.47% | +285 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 21.15% | 22.05% | 20.93% | 22.50% | 22.50% | 22.50% | +46 bps | |
| Net Worth / Assets | n/a | n/a | 21.15% | 22.05% | 20.93% | 22.50% | 22.50% | 22.50% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.30% | 97.17% | 89.60% | 88.53% | 86.68% | 64.00% | 64.00% | 64.00% | -2,453 bps | |
| Liquid Assets / Assets | 6.75% | 7.88% | 29.49% | 30.83% | 33.51% | 51.23% | 51.23% | 51.23% | +2,041 bps | |