Del Norte, CO · Charter 65860
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Del Norte, CO · Charter 65860
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.32% | 0.80% | 1.01% | -0.06% | -1.17% | -1.30% | -0.56% | -157 bps | |
| Return on Equity | 0.53% | 1.91% | 4.43% | 4.82% | -0.30% | -5.39% | -6.01% | -2.37% | -720 bps | |
| Net Interest Margin | 11.12% | 12.13% | 12.51% | 13.33% | 13.36% | 13.55% | 13.06% | 13.07% | -26 bps | |
| Efficiency Ratio | 82.22% | 79.32% | 78.77% | 86.08% | 92.83% | 97.71% | 99.96% | 104.18% | +1,810 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.00% | -1.93% | -9.95% | -26.10% | -26.08% | -23.55% | -20.89% | -18.28% | +782 bps | |
| Loan Growth (YoY) | 8.18% | -2.85% | -5.74% | -13.76% | -20.51% | -22.45% | -21.05% | -23.89% | -1,013 bps | |
| Share Growth (YoY) | 16.17% | -4.46% | -13.35% | -31.50% | -31.47% | -27.19% | -24.29% | -21.06% | +1,043 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.54% | 6.32% | 5.06% | 7.16% | 11.12% | 9.96% | 12.81% | 9.50% | +234 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 | 3.24% | 3.03% | 3.61% | 3.35% | 3.72% | 4.23% | 4.43% | 3.60% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.23% | 16.75% | 18.09% | 20.90% | 21.47% | 21.73% | 21.58% | 23.70% | +279 bps | |
| Net Worth / Assets | 15.23% | 16.75% | 18.09% | 20.90% | 21.47% | 21.73% | 21.58% | 23.70% | +279 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.42% | 102.03% | 105.59% | 114.06% | 110.68% | 108.66% | 110.10% | 109.97% | -409 bps | |
| Liquid Assets / Assets | 9.16% | 16.68% | 14.43% | 9.93% | 13.61% | 16.37% | 15.20% | 16.54% | +661 bps | |