Pueblo, CO · Charter 62760
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.71% | 2.09% | 1.16% | 0.92% | -0.38% | -0.46% | -0.27% | -7.81% | -873 bps | |
| Return on Equity | 41.36% | 23.04% | 13.28% | 10.27% | -4.44% | -5.45% | -3.14% | -466% | -47,587 bps | |
| Net Interest Margin | 4.09% | 3.79% | 3.50% | 3.49% | 2.84% | 3.05% | 3.14% | 2.97% | -52 bps | |
| Efficiency Ratio | 51.21% | 65.64% | 74.99% | 79.03% | 106.86% | 103.79% | 97.75% | 121.24% | +4,221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.74% | 11.35% | 5.34% | 1.71% | 3.73% | 1.41% | -0.56% | -7.12% | -883 bps | |
| Loan Growth (YoY) | 10.41% | 12.90% | 17.22% | 2.99% | 4.31% | 9.07% | -3.15% | -5.50% | -849 bps | |
| Share Growth (YoY) | 10.55% | 11.21% | 5.90% | 1.96% | 3.58% | 2.32% | -0.13% | 0.02% | -194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 1.87% | 1.70% | 2.70% | 1.92% | 2.17% | 2.16% | 2.32% | -39 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 | 0.37% | 0.28% | 0.33% | 0.35% | 0.31% | 0.54% | 0.61% | 8.40% | +805 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.96% | 9.06% | 8.77% | 8.95% | 8.54% | 8.44% | 8.51% | 1.68% | -728 bps | |
| Net Worth / Assets | 8.96% | 9.06% | 8.77% | 8.95% | 8.54% | 8.44% | 8.51% | 1.68% | -728 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.77% | 87.77% | 92.39% | 91.31% | 89.39% | 93.56% | 89.60% | 86.27% | -504 bps | |
| Liquid Assets / Assets | 13.63% | 13.15% | 9.58% | 9.81% | 12.40% | 0.00% | 0.00% | 0.00% | -981 bps | |