Denver, CO · Charter 68519
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Denver, CO · Charter 68519
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.18% | 0.16% | -2.74% | -2.48% | -2.63% | -5.59% | -1.60% | +114 bps | |
| Return on Equity | 4.94% | 1.45% | 1.27% | -22.80% | -21.40% | -24.34% | -72.85% | -194.76% | -17,196 bps | |
| Net Interest Margin | 3.42% | 3.32% | 3.35% | 2.80% | 2.88% | 2.72% | 2.73% | 2.27% | -53 bps | |
| Efficiency Ratio | 76.71% | 88.31% | 88.50% | 103.75% | 101.67% | 105.49% | 111.34% | 132.06% | +2,831 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.63% | -3.27% | -4.49% | -0.38% | -4.56% | -3.46% | -4.69% | -10.64% | -1,027 bps | |
| Loan Growth (YoY) | 3.04% | -1.41% | -5.68% | 0.16% | -2.95% | -1.41% | 0.39% | -4.08% | -424 bps | |
| Share Growth (YoY) | -2.33% | -3.94% | -4.42% | 0.26% | 2.95% | 4.36% | 5.93% | 3.02% | +276 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.24% | 0.29% | 1.87% | 9.55% | 12.94% | 13.45% | 14.26% | +1,239 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 | 0.71% | 0.65% | 0.69% | 1.34% | 1.89% | 2.54% | 6.96% | 14.91% | +1,357 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.37% | 12.32% | 12.64% | 12.01% | 11.56% | 10.82% | 7.67% | 0.82% | -1,119 bps | |
| Net Worth / Assets | 12.37% | 12.32% | 12.64% | 12.01% | 11.56% | 10.82% | 7.67% | 0.82% | -1,119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 120.54% | 117.47% | 115.53% | 111.40% | 113.63% | 110.98% | 109.49% | 103.72% | -768 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |