Denver, CO · Charter 63498
Q3 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | -0.52% | -0.27% | -0.44% | -0.92% | -7.33% | -5.53% | -4.74% | -430 bps | |
| Return on Equity | 0.87% | -2.41% | -1.22% | -1.88% | -3.91% | -33.34% | -25.86% | -21.91% | -2,003 bps | |
| Net Interest Margin | 3.31% | 3.62% | 3.38% | 3.32% | 3.41% | 4.16% | 3.59% | 3.71% | +38 bps | |
| Efficiency Ratio | 92.72% | 102.01% | 101.14% | 106.83% | 107.49% | 126.46% | 156.30% | 144.33% | +3,749 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.52% | 6.48% | 3.41% | -4.89% | -7.56% | -12.67% | -10.81% | -8.83% | -395 bps | |
| Loan Growth (YoY) | -3.70% | -7.65% | -3.51% | 0.79% | 6.62% | 5.71% | -6.03% | -10.45% | -1,124 bps | |
| Share Growth (YoY) | 6.47% | 8.38% | 0.20% | -5.89% | -9.00% | -13.21% | -6.04% | -7.63% | -174 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.57% | 5.84% | 5.64% | 6.51% | 5.41% | 5.27% | 5.34% | -29 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 | 1.14% | 0.97% | 0.76% | 0.75% | 1.41% | 2.41% | 2.10% | 2.34% | +159 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.62% | 21.49% | 22.23% | 23.55% | 23.55% | 22.00% | 21.37% | 21.65% | -190 bps | |
| Net Worth / Assets | 22.62% | 21.49% | 22.23% | 23.55% | 23.55% | 22.00% | 21.37% | 21.65% | -190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.52% | 52.71% | 60.68% | 64.64% | 67.39% | 64.20% | 60.69% | 62.66% | -197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |