Windsor, CO · Charter 6869
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.28% | 0.82% | 0.71% | 0.41% | 0.51% | 0.53% | 0.41% | -30 bps | |
| Return on Equity | n/a | 1.38% | 3.94% | 3.32% | 2.07% | 2.65% | 2.72% | 1.97% | -135 bps | |
| Net Interest Margin | 5.03% | 4.86% | 5.04% | 4.95% | 4.48% | 4.37% | 4.46% | 5.11% | +16 bps | |
| Efficiency Ratio | 95.29% | 94.46% | 85.23% | 86.07% | 91.38% | 89.19% | 88.93% | 80.02% | -606 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.09% | 10.22% | 5.46% | 4.28% | 13.61% | 13.20% | 11.39% | 5.67% | +140 bps | |
| Loan Growth (YoY) | 3.07% | -5.09% | 1.55% | 0.08% | -1.07% | 7.18% | 3.10% | 4.67% | +459 bps | |
| Share Growth (YoY) | 5.49% | 12.72% | 6.06% | 4.25% | 16.13% | 15.42% | 13.48% | 6.41% | +215 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.94% | 0.27% | 0.23% | 0.00% | 0.00% | 0.15% | 0.25% | +2 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 | 0.12% | 0.13% | 0.12% | 0.19% | 0.18% | 0.18% | 0.18% | 0.42% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 20.52% | 20.71% | 21.40% | 19.80% | 19.13% | 19.38% | 20.92% | -48 bps | |
| Net Worth / Assets | n/a | 20.52% | 20.71% | 21.40% | 19.80% | 19.13% | 19.38% | 20.92% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.42% | 87.40% | 90.61% | 88.49% | 85.54% | 81.16% | 82.32% | 87.04% | -144 bps | |
| Liquid Assets / Assets | 9.23% | 22.48% | 19.32% | 22.05% | 23.03% | 26.32% | 26.17% | 23.17% | +111 bps | |