Kremmling, CO · Charter 68455
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.35% | 0.19% | 0.12% | 0.00% | 0.42% | 0.34% | 0.18% | +6 bps | |
| Return on Equity | 6.86% | 4.18% | 2.37% | 1.52% | -0.03% | 5.06% | 3.84% | 2.03% | +52 bps | |
| Net Interest Margin | 4.52% | 4.72% | 4.58% | 4.34% | 4.23% | 4.41% | 4.90% | 4.84% | +50 bps | |
| Efficiency Ratio | 85.26% | 88.76% | 91.43% | 92.22% | 97.24% | 90.40% | 87.29% | 85.88% | -634 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.61% | -2.34% | 1.82% | 1.04% | 2.90% | 2.13% | -7.03% | -9.87% | -1,091 bps | |
| Loan Growth (YoY) | 1.80% | 0.24% | -7.00% | -4.89% | -7.09% | -9.61% | -6.08% | -3.09% | +180 bps | |
| Share Growth (YoY) | -1.31% | -2.90% | 1.63% | 0.93% | 2.95% | 2.05% | -7.91% | -10.83% | -1,177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 1.73% | 1.61% | 1.68% | 1.63% | 1.30% | 1.28% | 1.18% | -51 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 | 0.63% | 0.65% | 0.57% | 0.72% | 0.73% | 0.40% | 0.57% | 1.10% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.95% | 8.30% | 8.12% | 7.77% | 7.74% | 8.29% | 8.97% | 8.80% | +103 bps | |
| Net Worth / Assets | 7.95% | 8.30% | 8.12% | 7.77% | 7.74% | 8.29% | 8.97% | 8.80% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.00% | 86.32% | 83.06% | 75.78% | 73.10% | 76.46% | 84.71% | 82.36% | +658 bps | |
| Liquid Assets / Assets | 17.90% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |