Denver, CO · Charter 65340
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Denver, CO · Charter 65340
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.12% | -0.29% | -0.46% | -2.69% | -1.97% | 0.02% | -3.38% | -293 bps | |
| Return on Equity | 0.00% | 1.50% | -3.66% | -5.86% | -34.07% | -25.06% | 0.26% | -59.84% | -5,398 bps | |
| Net Interest Margin | 3.61% | 3.94% | 3.96% | 3.76% | 4.33% | 4.16% | 4.03% | 3.10% | -66 bps | |
| Efficiency Ratio | 100.00% | 97.58% | 105.19% | 108.98% | 158.27% | 142.28% | 99.57% | 115.04% | +606 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.75% | 4.16% | 0.73% | -2.14% | -10.79% | -2.99% | -8.12% | -10.44% | -830 bps | |
| Loan Growth (YoY) | 17.90% | 7.88% | 4.68% | -7.83% | -9.77% | -11.18% | -7.37% | -9.87% | -204 bps | |
| Share Growth (YoY) | 12.39% | 4.42% | 0.90% | -4.31% | -9.30% | -0.40% | -6.53% | -7.22% | -291 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 4.69% | 2.82% | 3.26% | 1.65% | 3.37% | 6.82% | 8.25% | +500 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 | 0.61% | 0.65% | 0.39% | 0.39% | 0.45% | 0.48% | 0.54% | 0.00% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.37% | 7.98% | 7.92% | 7.77% | 7.90% | 7.87% | 8.39% | 5.65% | -212 bps | |
| Net Worth / Assets | 7.37% | 7.98% | 7.92% | 7.77% | 7.90% | 7.87% | 8.39% | 5.65% | -212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.00% | 97.17% | 91.63% | 92.14% | 91.52% | 86.66% | 90.82% | 89.51% | -263 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |