Denver, CO · Charter 65951
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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 65951
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 0.78% | 0.58% | 0.45% | 0.10% | 1.01% | 0.69% | 0.42% | -2 bps | |
| Return on Equity | 5.89% | 3.47% | 2.35% | 1.78% | 0.39% | 3.82% | 2.56% | 1.58% | -21 bps | |
| Net Interest Margin | 3.66% | 2.79% | 3.46% | 3.59% | 3.65% | 3.88% | 3.47% | 3.32% | -27 bps | |
| Efficiency Ratio | 59.83% | 72.26% | 68.45% | 65.25% | 65.71% | 68.54% | 73.70% | 80.21% | +1,496 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.93% | -3.34% | -9.13% | -8.36% | -9.87% | -14.32% | -7.68% | -6.44% | +192 bps | |
| Loan Growth (YoY) | 11.39% | -1.02% | -0.83% | -7.98% | -21.37% | -31.46% | -32.99% | -42.67% | -3,469 bps | |
| Share Growth (YoY) | -11.35% | -5.29% | -12.87% | -11.85% | -12.85% | -18.72% | -10.36% | -8.63% | +322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.76% | 7.95% | 13.85% | 10.47% | 9.49% | 4.85% | 12.60% | 8.48% | -199 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 | 1.56% | 1.82% | 2.62% | 2.34% | 1.70% | 2.15% | 2.56% | 2.43% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.42% | 22.42% | 24.71% | 25.10% | 24.97% | 26.36% | 26.89% | 26.89% | +179 bps | |
| Net Worth / Assets | 22.42% | 22.42% | 24.71% | 25.10% | 24.97% | 26.36% | 26.89% | 26.89% | +179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.86% | 62.88% | 65.35% | 65.56% | 58.52% | 53.03% | 48.85% | 41.13% | -2,442 bps | |
| Liquid Assets / Assets | 47.46% | 49.18% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |