Denver, CO · Charter 65372
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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 65372
Q2 2001
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.01% | 4.48% | 3.32% | 3.66% | -0.73% | 0.04% | -1.12% | -1.36% | -502 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -20.19% | -26.36% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.24% | 4.49% | 4.70% | 4.02% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 91.59% | 80.82% | 83.51% | 103.25% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.50% | -10.08% | -5.85% | 8.03% | 2.19% | 5.09% | -1.36% | -13.55% | -2,157 bps | |
| Loan Growth (YoY) | -2.78% | -7.00% | -11.02% | 3.39% | 1.53% | 4.30% | -1.44% | -26.45% | -2,985 bps | |
| Share Growth (YoY) | -11.80% | -10.91% | -1.95% | 9.85% | 4.20% | 7.52% | 0.49% | -12.25% | -2,211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.78% | 5.41% | 5.98% | 3.28% | 3.28% | 5.91% | 3.92% | 5.00% | +172 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 | 1.01% | 1.07% | 1.68% | 1.27% | 1.12% | 1.26% | 2.31% | 1.97% | +70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 5.54% | 5.15% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 5.54% | 5.15% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.96% | 104.21% | 94.63% | 98.12% | 98.38% | 101.10% | 92.81% | 82.24% | -1,588 bps | |
| Liquid Assets / Assets | 6.12% | 1.41% | 7.69% | 7.75% | 5.88% | 4.05% | 9.93% | 17.68% | +993 bps | |