Denver, CO · Charter 61969
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 61969
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.27% | -1.13% | -5.12% | -13.50% | -11.57% | 2.70% | -1.19% | +392 bps | |
| Return on Equity | 8.70% | 3.07% | -13.11% | -66.93% | -396% | -345% | 62.70% | -36.02% | +3,091 bps | |
| Net Interest Margin | 3.42% | 3.22% | 1.53% | 1.17% | 1.04% | 1.10% | 1.25% | 1.07% | -11 bps | |
| Efficiency Ratio | 58.48% | 68.92% | 119.47% | 151.63% | n/a | n/a | 150.79% | 179.67% | +2,804 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.77% | 42.18% | 16.42% | 5.31% | -38.61% | -40.99% | -44.81% | -41.43% | -4,674 bps | |
| Loan Growth (YoY) | 49.08% | 41.21% | 11.01% | 3.29% | -41.31% | -39.86% | -46.47% | -47.07% | -5,036 bps | |
| Share Growth (YoY) | 25.50% | 33.41% | 11.48% | -8.69% | -22.52% | -32.00% | -30.89% | -24.25% | -1,555 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 3.94% | 2.76% | 4.50% | 10.37% | 20.62% | 19.64% | 19.92% | +1,542 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 | 0.55% | 0.65% | 0.67% | 2.67% | 7.41% | 6.31% | 4.94% | 5.18% | +251 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.62% | 8.80% | 8.63% | 7.64% | 3.41% | 3.35% | 4.31% | 3.31% | -433 bps | |
| Net Worth / Assets | 8.62% | 8.80% | 8.63% | 7.64% | 3.41% | 3.35% | 4.31% | 3.31% | -433 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 128.51% | 115.15% | 112.14% | 118.45% | 97.35% | 101.84% | 86.86% | 82.77% | -3,568 bps | |
| Liquid Assets / Assets | 2.35% | 3.65% | 3.70% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |