Lakewood, CO · Charter 65950
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Lakewood, CO · Charter 65950
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.43% | 0.44% | 0.22% | 0.04% | -0.63% | -3.27% | -1.10% | -132 bps | |
| Return on Equity | 4.51% | 3.62% | 3.79% | 1.94% | 0.37% | -6.14% | -37.04% | -12.50% | -1,444 bps | |
| Net Interest Margin | 3.25% | 3.13% | 2.94% | 2.80% | 2.83% | 2.81% | 2.47% | 2.35% | -45 bps | |
| Efficiency Ratio | 82.99% | 86.44% | 89.88% | 94.61% | 97.23% | 105.77% | 105.59% | 90.52% | -409 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.25% | 6.37% | 8.66% | 12.37% | 9.70% | 9.32% | 12.34% | 11.65% | -71 bps | |
| Loan Growth (YoY) | -10.88% | -7.35% | -4.54% | -4.25% | 8.09% | 12.58% | 16.80% | 18.96% | +2,321 bps | |
| Share Growth (YoY) | 5.93% | 6.35% | 9.25% | 13.83% | 11.24% | 11.70% | 15.37% | 13.87% | +4 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.92% | 0.46% | 0.18% | 0.41% | 0.70% | 0.58% | 0.91% | +72 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 | 1.94% | 1.56% | 1.55% | 1.38% | 1.18% | 1.78% | 1.58% | 1.63% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.17% | 11.93% | 11.60% | 11.17% | 11.15% | 10.28% | 8.82% | 8.79% | -239 bps | |
| Net Worth / Assets | 12.17% | 11.93% | 11.60% | 11.17% | 11.15% | 10.28% | 8.82% | 8.79% | -239 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.31% | 42.08% | 39.50% | 37.90% | 42.08% | 42.41% | 39.99% | 39.60% | +169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |