Littleton, CO · Charter 5897
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Littleton, CO · Charter 5897
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 | -1.12% | -0.65% | 0.82% | 0.74% | 0.61% | 0.57% | 0.66% | -2.42% | -316 bps | |
| Return on Equity | -11.55% | -6.57% | 7.98% | 7.06% | 5.38% | 5.29% | 5.39% | -21.65% | -2,871 bps | |
| Net Interest Margin | 4.51% | 4.51% | 4.49% | 4.46% | 4.80% | 4.47% | 4.73% | 4.70% | +24 bps | |
| Efficiency Ratio | 85.38% | 84.95% | 85.10% | 86.39% | 89.60% | 87.12% | 88.44% | 84.96% | -143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.65% | 1.45% | -5.64% | -2.79% | -8.88% | -3.96% | -12.31% | -14.39% | -1,160 bps | |
| Loan Growth (YoY) | -12.67% | -10.49% | -2.02% | -8.53% | -9.22% | -11.14% | -17.88% | -19.45% | -1,092 bps | |
| Share Growth (YoY) | -1.40% | 2.04% | -6.89% | -3.90% | -10.61% | -4.75% | -14.36% | -15.09% | -1,119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.35% | 2.60% | 2.83% | 4.22% | 3.97% | 3.94% | 2.71% | 6.64% | +242 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 | 1.94% | 1.93% | 2.02% | 1.97% | 2.01% | 2.26% | 1.77% | 4.48% | +251 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.70% | 9.87% | 10.24% | 10.42% | 11.32% | 10.85% | 12.25% | 11.18% | +77 bps | |
| Net Worth / Assets | 9.70% | 9.87% | 10.24% | 10.42% | 11.32% | 10.85% | 12.25% | 11.18% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.39% | 79.00% | 80.38% | 75.36% | 81.64% | 73.70% | 77.08% | 71.49% | -386 bps | |
| Liquid Assets / Assets | 25.92% | 27.53% | 25.92% | 29.39% | 25.77% | 32.27% | 29.94% | 0.00% | -2,939 bps | |