Denver, CO · Charter 61839
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Denver, CO · Charter 61839
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | -0.23% | -0.09% | 0.65% | 0.28% | 0.33% | -0.35% | -7.13% | -778 bps | |
| Return on Equity | -6.64% | -3.62% | -1.46% | 10.01% | 4.46% | 5.01% | -6.10% | -165.72% | -17,572 bps | |
| Net Interest Margin | 3.47% | 4.44% | 4.40% | 4.29% | 4.07% | 4.01% | 3.81% | 2.64% | -165 bps | |
| Efficiency Ratio | 93.24% | 92.41% | 92.80% | 86.38% | 93.75% | 92.66% | 108.24% | 329% | +24,243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.02% | -17.08% | -11.09% | -17.34% | -18.43% | 1.01% | 2.20% | -1.85% | +1,549 bps | |
| Loan Growth (YoY) | 1.20% | 2.05% | 0.71% | -3.64% | -10.74% | -21.27% | -26.51% | -26.97% | -2,333 bps | |
| Share Growth (YoY) | 10.48% | -13.77% | -11.44% | -17.93% | -19.15% | 0.72% | 1.18% | -0.65% | +1,728 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.27% | 6.98% | 4.55% | 5.26% | 6.02% | 1.01% | 0.13% | 0.44% | -482 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 | 6.00% | 5.61% | 5.69% | 5.07% | 6.51% | 4.70% | 6.24% | 6.98% | +191 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.99% | 6.32% | 6.28% | 6.50% | 6.37% | 6.58% | 5.79% | 4.30% | -220 bps | |
| Net Worth / Assets | 4.99% | 6.32% | 6.28% | 6.50% | 6.37% | 6.58% | 5.79% | 4.30% | -220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.83% | 69.53% | 66.65% | 61.47% | 58.32% | 54.35% | 48.42% | 45.18% | -1,629 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |