Denver, CO · Charter 64871
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.02% | -1.81% | -2.23% | -4.71% | -5.17% | -5.57% | -5.55% | -150.99% | -14,628 bps | |
| Return on Equity | -6.54% | -5.64% | -6.83% | -14.41% | -14.39% | -15.82% | -15.13% | -922% | -90,776 bps | |
| Net Interest Margin | 4.80% | 1.32% | 5.00% | 4.73% | 5.47% | 5.60% | 5.97% | 5.89% | +116 bps | |
| Efficiency Ratio | 139.83% | 228% | 141.75% | 140.92% | 146.68% | 141.14% | 148.07% | 701% | +56,022 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.48% | -16.56% | -11.34% | -14.17% | -21.04% | -18.05% | -21.31% | -45.69% | -3,152 bps | |
| Loan Growth (YoY) | -19.05% | -22.06% | -19.33% | -16.30% | -14.67% | -7.61% | -13.97% | -23.05% | -675 bps | |
| Share Growth (YoY) | -16.92% | -20.11% | -13.05% | -17.24% | -26.53% | -22.26% | -26.33% | -33.52% | -1,629 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.62% | 0.00% | 4.36% | 3.84% | 0.00% | 1.59% | 0.78% | 0.14% | -370 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 | 1.69% | 1.82% | 1.85% | 1.11% | 1.88% | 3.35% | 3.56% | 31.51% | +3,040 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.92% | 32.12% | 32.64% | 32.66% | 35.96% | 35.22% | 36.68% | 16.37% | -1,629 bps | |
| Net Worth / Assets | 30.92% | 32.12% | 32.64% | 32.66% | 35.96% | 35.22% | 36.68% | 16.37% | -1,629 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.23% | 93.78% | 98.55% | 95.82% | 108.29% | 111.45% | 115.08% | 110.92% | +1,510 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |