Aurora, CO · Charter 62953
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Aurora, CO · Charter 62953
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 0.74% | 0.54% | -0.15% | 0.51% | -0.38% | -0.48% | -1.87% | -172 bps | |
| Return on Equity | 17.13% | 11.51% | 8.52% | -2.47% | 8.20% | -6.16% | -8.00% | -32.41% | -2,995 bps | |
| Net Interest Margin | 5.54% | 5.72% | 5.62% | 4.80% | 5.05% | 5.54% | 5.31% | 4.95% | +15 bps | |
| Efficiency Ratio | 77.57% | 79.19% | 80.66% | 102.73% | 91.05% | 89.89% | 92.40% | 118.24% | +1,551 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.40% | 3.83% | -4.98% | -0.88% | 2.88% | -1.27% | -3.04% | -9.78% | -890 bps | |
| Loan Growth (YoY) | 20.73% | 11.76% | 6.60% | -0.25% | -5.76% | -2.32% | -6.28% | -13.85% | -1,360 bps | |
| Share Growth (YoY) | 30.01% | 3.16% | -5.75% | -1.42% | 2.80% | -1.02% | -2.77% | -9.50% | -809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.73% | 1.28% | 1.64% | 1.88% | 0.96% | 0.80% | 0.91% | 0.47% | -141 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 | 0.88% | 0.95% | 0.87% | 0.78% | 0.50% | 0.66% | 0.54% | 0.62% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.28% | 6.42% | 6.32% | 6.03% | 6.25% | 6.23% | 6.04% | 5.76% | -27 bps | |
| Net Worth / Assets | 6.28% | 6.42% | 6.32% | 6.03% | 6.25% | 6.23% | 6.04% | 5.76% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.59% | 92.15% | 90.54% | 87.76% | 84.87% | 90.94% | 87.27% | 83.55% | -421 bps | |
| Liquid Assets / Assets | 10.70% | 8.80% | 12.13% | 14.79% | 17.57% | 11.89% | 15.04% | 18.03% | +324 bps | |