Aurora, CO · Charter 68026
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 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.
Aurora, CO · Charter 68026
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -0.03% | -0.41% | -0.41% | -0.84% | 0.75% | 1.58% | 1.21% | +162 bps | |
| Return on Equity | -6.08% | -0.34% | -4.52% | -4.51% | -9.92% | 8.64% | 16.98% | 12.30% | +1,681 bps | |
| Net Interest Margin | 3.79% | 3.55% | 3.56% | 3.51% | 3.41% | 3.16% | 3.15% | 3.25% | -26 bps | |
| Efficiency Ratio | 74.03% | 73.05% | 77.93% | 79.71% | 80.22% | 74.76% | 72.39% | 74.50% | -522 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.22% | 2.81% | 1.39% | 0.82% | 0.59% | 0.24% | -0.08% | -3.89% | -471 bps | |
| Loan Growth (YoY) | -0.62% | -5.83% | -9.54% | -14.90% | -17.94% | -18.44% | -14.88% | -15.90% | -100 bps | |
| Share Growth (YoY) | 5.83% | 5.61% | 4.45% | 3.97% | 3.65% | 3.48% | 2.10% | -2.62% | -659 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.26% | 1.46% | 1.57% | 1.60% | 1.52% | 0.89% | 1.56% | 2.83% | +124 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 | 1.91% | 1.94% | 2.12% | 2.05% | 2.36% | 2.43% | 1.90% | 2.13% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.37% | 9.29% | 9.16% | 9.13% | 8.48% | 8.63% | 9.32% | 9.84% | +71 bps | |
| Net Worth / Assets | 9.37% | 9.29% | 9.16% | 9.13% | 8.48% | 8.63% | 9.32% | 9.84% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.05% | 101.46% | 98.49% | 93.41% | 85.54% | 79.97% | 82.11% | 80.66% | -1,274 bps | |
| Liquid Assets / Assets | 11.04% | 14.17% | 14.65% | 16.21% | 23.03% | 29.63% | 0.00% | 0.00% | -1,621 bps | |