Colorado Sprg, CO · Charter 65979
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.
Colorado Sprg, CO · Charter 65979
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 | 2.43% | 5.94% | 3.00% | 4.28% | 0.48% | 5.77% | -3.72% | -0.08% | -436 bps | |
| Return on Equity | 17.07% | 34.08% | 16.60% | 20.86% | 2.53% | 41.69% | -33.48% | -0.59% | -2,145 bps | |
| Net Interest Margin | 6.59% | 9.37% | 6.44% | 7.53% | 6.73% | 9.44% | 6.90% | 8.06% | +52 bps | |
| Efficiency Ratio | 46.62% | 40.39% | 47.33% | 41.34% | 51.59% | 42.93% | 66.76% | 50.57% | +923 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -24.32% | -39.48% | -41.47% | -22.39% | -22.62% | -16.05% | -16.70% | -16.99% | +540 bps | |
| Loan Growth (YoY) | 5.30% | -2.51% | 6.88% | 2.22% | -6.91% | -5.00% | -17.35% | -34.09% | -3,631 bps | |
| Share Growth (YoY) | -28.73% | -45.46% | -47.17% | -27.75% | -28.16% | -12.40% | -9.65% | -9.71% | +1,804 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 32.98% | 21.19% | 25.91% | 24.66% | 40.63% | 55.85% | 31.55% | 14.90% | -976 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 | 7.14% | 5.41% | 5.34% | 5.40% | 8.81% | 19.03% | 20.50% | 5.56% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.23% | 17.44% | 18.05% | 20.53% | 18.98% | 13.85% | 11.11% | 13.55% | -697 bps | |
| Net Worth / Assets | 14.23% | 17.44% | 18.05% | 20.53% | 18.98% | 13.85% | 11.11% | 13.55% | -697 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.84% | 83.30% | 97.32% | 103.80% | 104.76% | 90.34% | 89.02% | 75.77% | -2,803 bps | |
| Liquid Assets / Assets | 32.82% | 31.82% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |