Alamosa, CO · Charter 64854
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Alamosa, CO · Charter 64854
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.28% | 0.03% | -15.02% | -6.42% | -4.35% | -3.47% | -13.05% | -5.09% | +133 bps | |
| Return on Equity | -2.47% | 0.23% | -158.24% | -62.65% | -37.36% | -29.90% | -148.66% | -52.82% | +984 bps | |
| Net Interest Margin | 4.40% | 4.78% | 5.75% | 5.97% | 6.79% | 6.80% | 6.39% | 6.05% | +9 bps | |
| Efficiency Ratio | 93.50% | 87.75% | n/a | 300% | 120.91% | 104.51% | 75.79% | 91.38% | -20,881 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.19% | 2.09% | -10.17% | -12.22% | -21.90% | -19.02% | -15.32% | -23.05% | -1,082 bps | |
| Loan Growth (YoY) | 12.27% | 4.58% | -5.63% | -14.26% | -17.42% | -17.30% | -17.30% | -31.34% | -1,708 bps | |
| Share Growth (YoY) | 7.75% | 2.54% | -7.68% | -10.19% | -22.15% | -18.43% | -14.73% | -22.45% | -1,226 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.41% | 2.65% | 1.42% | 1.49% | 2.35% | 1.86% | 0.37% | 3.24% | +175 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 | 1.22% | 1.25% | 1.40% | 1.27% | 1.73% | 1.56% | 6.08% | 2.40% | +113 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.39% | 12.21% | 9.49% | 10.25% | 11.63% | 11.61% | 8.78% | 9.64% | -60 bps | |
| Net Worth / Assets | 11.39% | 12.21% | 9.49% | 10.25% | 11.63% | 11.61% | 8.78% | 9.64% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.36% | 91.97% | 90.60% | 89.39% | 95.84% | 93.25% | 87.86% | 79.14% | -1,025 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |