Windsor, CO · Charter 63888
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Windsor, CO · Charter 63888
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.60% | 0.54% | 0.67% | 0.65% | 0.18% | 0.27% | 0.33% | -34 bps | |
| Return on Equity | 6.16% | 4.62% | 4.10% | 4.92% | 4.65% | 1.22% | 1.69% | 1.86% | -306 bps | |
| Net Interest Margin | 3.43% | 3.58% | 3.51% | 3.56% | 3.61% | 3.22% | 3.54% | 3.87% | +31 bps | |
| Efficiency Ratio | 64.96% | 58.39% | 63.33% | 65.03% | 65.69% | 76.13% | 75.61% | 74.87% | +983 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.02% | -4.86% | -4.92% | -5.43% | -5.21% | -9.37% | -15.27% | -20.95% | -1,553 bps | |
| Loan Growth (YoY) | 0.19% | -0.69% | -4.09% | -4.41% | -4.24% | -1.41% | -1.44% | -3.75% | +66 bps | |
| Share Growth (YoY) | -3.15% | -6.20% | -6.35% | -6.92% | -8.86% | -11.40% | -18.15% | -24.69% | -1,778 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 1.21% | 0.68% | 0.71% | 0.50% | 0.55% | 0.75% | 0.75% | +4 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% | 0.61% | 0.62% | 0.49% | 0.50% | 0.51% | 0.55% | 0.51% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.72% | 12.92% | 13.11% | 13.59% | 14.07% | 14.82% | 16.03% | 17.61% | +402 bps | |
| Net Worth / Assets | 12.72% | 12.92% | 13.11% | 13.59% | 14.07% | 14.82% | 16.03% | 17.61% | +402 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.22% | 68.67% | 67.74% | 71.46% | 73.78% | 76.42% | 81.57% | 91.33% | +1,987 bps | |
| Liquid Assets / Assets | 19.84% | 19.45% | 20.20% | 16.98% | 20.28% | 18.43% | 18.20% | 12.82% | -416 bps | |