Aspen, CO · Charter 63973
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Aspen, CO · Charter 63973
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.28% | -1.86% | -1.13% | -1.07% | -1.09% | 0.62% | 0.88% | +201 bps | |
| Return on Equity | 6.19% | 2.46% | -18.03% | -12.01% | -10.60% | -12.54% | 6.24% | 8.25% | +2,026 bps | |
| Net Interest Margin | 4.04% | 4.25% | 3.99% | 3.78% | 4.29% | 3.90% | 4.55% | 4.81% | +103 bps | |
| Efficiency Ratio | 77.82% | 87.38% | 114.14% | 112.01% | 108.88% | 110.24% | 87.28% | 76.35% | -3,567 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.88% | 6.63% | 9.29% | 13.35% | -0.65% | 14.93% | -1.95% | -13.17% | -2,652 bps | |
| Loan Growth (YoY) | 18.90% | 24.55% | 32.00% | 31.45% | 21.14% | 10.01% | -0.52% | -2.21% | -3,366 bps | |
| Share Growth (YoY) | 10.45% | 1.04% | 7.55% | 15.93% | 0.96% | 25.49% | 1.76% | -14.01% | -2,994 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.75% | 2.02% | 1.03% | 1.48% | 0.66% | 0.79% | 0.06% | 0.21% | -127 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 | 0.46% | 0.58% | 0.44% | 0.48% | 0.25% | 0.42% | 0.45% | 0.48% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.04% | 11.25% | 10.31% | 9.39% | 10.06% | 8.70% | 9.92% | 10.67% | +128 bps | |
| Net Worth / Assets | 11.04% | 11.25% | 10.31% | 9.39% | 10.06% | 8.70% | 9.92% | 10.67% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.63% | 90.47% | 88.05% | 82.45% | 97.95% | 79.31% | 86.07% | 93.77% | +1,132 bps | |
| Liquid Assets / Assets | 7.29% | 5.63% | 8.53% | 11.00% | 2.44% | 18.01% | 20.53% | 0.00% | -1,100 bps | |