Colorado Sprg, CO · Charter 64102
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.12% | -1.31% | -1.25% | -2.40% | -1.48% | 0.76% | -0.68% | -11.76% | -935 bps | |
| Return on Equity | -9.88% | -11.35% | -11.09% | -21.49% | -13.11% | 6.00% | -5.81% | -123.49% | -10,200 bps | |
| Net Interest Margin | 4.25% | 4.43% | 4.38% | 4.11% | 4.21% | 4.25% | 4.35% | 4.45% | +34 bps | |
| Efficiency Ratio | 87.09% | 91.23% | 94.20% | 116.83% | 109.85% | 108.39% | 128.53% | 151.92% | +3,509 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.44% | -6.15% | -5.46% | -9.25% | -11.10% | -7.03% | -9.33% | -10.62% | -137 bps | |
| Loan Growth (YoY) | -19.31% | -24.01% | -28.29% | -28.53% | -31.53% | -28.39% | -23.04% | -23.10% | +543 bps | |
| Share Growth (YoY) | -0.96% | -5.84% | -4.89% | -8.85% | -11.03% | -8.25% | -10.24% | -9.35% | -50 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 0.78% | 1.28% | 0.74% | 3.60% | 0.40% | 0.47% | 0.31% | -43 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 | 1.54% | 0.86% | 0.98% | 1.54% | 1.67% | 1.46% | 2.21% | 7.72% | +618 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.33% | 11.52% | 11.25% | 11.18% | 11.30% | 12.67% | 11.73% | 9.52% | -166 bps | |
| Net Worth / Assets | 11.33% | 11.52% | 11.25% | 11.18% | 11.30% | 12.67% | 11.73% | 9.52% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.36% | 63.97% | 57.35% | 56.61% | 51.84% | 49.93% | 49.17% | 48.02% | -859 bps | |
| Liquid Assets / Assets | 17.07% | 20.99% | 26.54% | 28.63% | 0.00% | 0.00% | 0.00% | 0.00% | -2,863 bps | |