Rifle, CO · Charter 66215
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Rifle, CO · Charter 66215
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.20% | 0.06% | 0.26% | 0.54% | 0.59% | 0.03% | -0.49% | -74 bps | |
| Return on Equity | 0.12% | 2.77% | 0.91% | 3.81% | 8.03% | 8.59% | 0.48% | -7.65% | -1,146 bps | |
| Net Interest Margin | 4.53% | 4.32% | 3.80% | 3.77% | 3.67% | 3.68% | 3.62% | 3.69% | -8 bps | |
| Efficiency Ratio | 80.83% | 80.93% | 78.35% | 85.03% | 81.87% | 82.82% | 90.85% | 96.93% | +1,190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.77% | 9.45% | 18.88% | 22.35% | 19.79% | 16.20% | 8.79% | 8.63% | -1,372 bps | |
| Loan Growth (YoY) | 16.38% | 9.54% | 6.31% | -1.97% | -11.73% | 1.57% | 12.02% | 22.36% | +2,432 bps | |
| Share Growth (YoY) | 13.37% | 10.03% | 20.28% | 23.90% | 20.73% | 16.75% | 8.79% | 9.04% | -1,485 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.45% | 0.61% | 0.51% | 0.32% | 0.37% | 0.27% | 0.08% | -42 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 | 0.79% | 0.80% | 0.94% | 0.88% | 0.95% | 0.86% | 0.70% | 0.63% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.42% | 7.34% | 6.77% | 6.71% | 6.77% | 6.91% | 6.80% | 6.38% | -33 bps | |
| Net Worth / Assets | 7.42% | 7.34% | 6.77% | 6.71% | 6.77% | 6.91% | 6.80% | 6.38% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.41% | 72.81% | 64.06% | 64.64% | 58.80% | 63.34% | 65.95% | 72.53% | +789 bps | |
| Liquid Assets / Assets | 18.78% | 24.17% | 27.12% | 23.52% | 27.32% | 27.31% | 17.04% | 22.44% | -108 bps | |