Denver, CO · Charter 65823
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.48% | 3.23% | 2.88% | -1.93% | -0.79% | -3.66% | 0.24% | 0.13% | +206 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.15% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.42% | 6.99% | 7.05% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 130.93% | 105.92% | 99.53% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.04% | 7.96% | 17.26% | 0.77% | 1.88% | 3.44% | -1.48% | 16.27% | +1,551 bps | |
| Loan Growth (YoY) | -18.44% | -7.27% | 23.63% | 33.37% | 20.92% | 17.50% | 0.95% | 12.96% | -2,041 bps | |
| Share Growth (YoY) | 7.39% | 8.29% | 17.54% | 5.72% | 8.92% | 14.63% | 9.48% | 23.29% | +1,756 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.08% | 1.72% | 2.28% | 4.31% | 4.67% | 3.16% | 2.22% | 2.19% | -212 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 | 2.85% | 2.13% | 1.79% | 7.17% | 6.98% | 4.06% | 3.40% | 3.34% | -384 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.28% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.28% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.73% | 79.22% | 90.56% | 97.33% | 77.42% | 81.20% | 83.50% | 89.18% | -815 bps | |
| Liquid Assets / Assets | 24.89% | 10.24% | -3.39% | 10.77% | 20.49% | 0.00% | 0.00% | 15.22% | +445 bps | |