Denver, CO · Charter 68033
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.61% | 1.13% | 0.79% | 0.04% | -0.96% | -9.86% | -10.77% | -1,156 bps | |
| Return on Equity | 38.75% | 35.25% | 26.22% | 18.01% | 0.92% | -28.95% | -1154% | n/a | n/a | |
| Net Interest Margin | 6.50% | 6.08% | 4.66% | 5.25% | 5.54% | 5.38% | 5.67% | 5.90% | +65 bps | |
| Efficiency Ratio | 69.67% | 69.15% | 83.79% | 89.36% | 93.88% | 101.03% | 144.20% | 284% | +19,448 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 46.13% | 2.15% | 4.90% | 2.42% | 1.56% | -5.60% | -20.44% | -24.62% | -2,704 bps | |
| Loan Growth (YoY) | 61.44% | 16.84% | -20.42% | -0.67% | -9.64% | -11.85% | -7.85% | -13.27% | -1,260 bps | |
| Share Growth (YoY) | 42.57% | 1.57% | 1.97% | 0.68% | 1.47% | -5.16% | -17.61% | -19.68% | -2,036 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.77% | 4.97% | 7.14% | 6.54% | 4.97% | 3.60% | 7.66% | 6.63% | +9 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 | 2.92% | 3.74% | 3.60% | 2.97% | 2.07% | 2.42% | 3.61% | 2.88% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.38% | 4.57% | 4.30% | 4.40% | 4.14% | 3.32% | 0.85% | -1.70% | -610 bps | |
| Net Worth / Assets | 4.38% | 4.57% | 4.30% | 4.40% | 4.14% | 3.32% | 0.85% | -1.70% | -610 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.62% | 80.59% | 75.19% | 80.56% | 80.70% | 74.91% | 84.11% | 86.99% | +643 bps | |
| Liquid Assets / Assets | 109.12% | 113.55% | 24.30% | 19.32% | 16.33% | 25.24% | 10.74% | 9.53% | -979 bps | |