Rocky Ford, CO · Charter 6875
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.42% | 4.04% | 3.49% | -0.74% | -0.99% | -1.73% | 0.18% | 0.35% | +109 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -8.11% | -5.82% | -5.05% | -0.02% | -0.50% | 1.27% | 28.85% | +3,389 bps | |
| Loan Growth (YoY) | n/a | 48.17% | 30.42% | 3.32% | -12.91% | -17.04% | -19.28% | -10.48% | -1,380 bps | |
| Share Growth (YoY) | n/a | -12.19% | -8.23% | -3.47% | 1.62% | 8.49% | 12.52% | 40.66% | +4,412 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.85% | 2.79% | 12.05% | 12.55% | 7.47% | 2.45% | 1.20% | 2.93% | -962 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 | 3.27% | 3.82% | 4.67% | 6.01% | 2.08% | 2.49% | 3.79% | 5.55% | -46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.53% | 94.36% | 92.60% | 90.48% | 84.44% | 72.15% | 66.43% | 57.58% | -3,289 bps | |
| Liquid Assets / Assets | 15.50% | 17.38% | 20.15% | 19.54% | 25.73% | 25.08% | 34.19% | 35.66% | +1,611 bps | |