Grand Junction, CO · Charter 68480
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 1.82% | 2.12% | 1.28% | 0.72% | -0.88% | 0.13% | -3.26% | -454 bps | |
| Return on Equity | 5.34% | 23.43% | 25.68% | 16.71% | 9.81% | -14.62% | 2.08% | -78.51% | -9,522 bps | |
| Net Interest Margin | 5.18% | 5.18% | 5.08% | 4.85% | 5.05% | 5.56% | 5.59% | 5.39% | +53 bps | |
| Efficiency Ratio | 86.15% | 72.51% | 70.79% | 78.67% | 82.38% | 73.31% | 76.14% | 78.71% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.29% | 15.98% | 15.15% | 19.22% | 15.75% | 16.22% | 11.31% | 0.59% | -1,863 bps | |
| Loan Growth (YoY) | 16.34% | 9.90% | 4.25% | 9.99% | 28.06% | 17.24% | 12.52% | -2.10% | -1,209 bps | |
| Share Growth (YoY) | 23.89% | 18.04% | 16.30% | 20.35% | 14.22% | 17.93% | 12.93% | 4.37% | -1,598 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.43% | 1.59% | 7.48% | 4.83% | 2.57% | 6.56% | 6.56% | -92 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 | 0.64% | 0.69% | 0.65% | 0.69% | 1.27% | 1.01% | 0.91% | 3.88% | +318 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.70% | 7.76% | 8.27% | 7.69% | 7.32% | 5.99% | 6.45% | 4.15% | -354 bps | |
| Net Worth / Assets | 7.70% | 7.76% | 8.27% | 7.69% | 7.32% | 5.99% | 6.45% | 4.15% | -354 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.98% | 87.34% | 87.25% | 91.26% | 102.00% | 86.82% | 86.94% | 85.60% | -566 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |