Pueblo, CO · Charter 64002
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.65% | 3.43% | 3.27% | 0.50% | 0.15% | -2.22% | 1.39% | 0.84% | +34 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -13.31% | 8.05% | 4.93% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.72% | 6.17% | 6.17% | 5.18% | 4.79% | -94 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 87.12% | 89.41% | 85.66% | 82.72% | 85.08% | -204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.60% | 6.73% | 12.73% | 11.90% | 9.90% | 1.10% | -4.73% | -1.02% | -1,291 bps | |
| Loan Growth (YoY) | 0.63% | -5.20% | -0.64% | 4.72% | 0.60% | -7.01% | -17.34% | -27.90% | -3,262 bps | |
| Share Growth (YoY) | 2.13% | 7.65% | 13.67% | 13.79% | 11.51% | 3.88% | -3.74% | 0.63% | -1,315 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.98% | 1.92% | 0.67% | 0.97% | 4.46% | 1.17% | 0.04% | 1.20% | +23 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 | 0.81% | 0.82% | 0.45% | 0.78% | 1.21% | 1.84% | 0.96% | 1.28% | +49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 16.71% | 17.20% | 17.06% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 16.71% | 17.20% | 17.06% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.71% | 99.42% | 97.41% | 104.27% | 94.46% | 89.00% | 83.64% | 74.71% | -2,956 bps | |
| Liquid Assets / Assets | 7.43% | 13.29% | 13.77% | 10.39% | 1.33% | 24.62% | 28.98% | 36.64% | +2,625 bps | |