Denver, CO · Charter 7380
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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 7380
Q4 2002
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 1.05% | 0.17% | -0.14% | 0.00% | 0.11% | 0.28% | 0.51% | +66 bps | |
| Return on Equity | n/a | 7.08% | 1.29% | -1.15% | 0.03% | 0.92% | 2.40% | 4.38% | +554 bps | |
| Net Interest Margin | 4.80% | 4.78% | 3.65% | 3.14% | 2.81% | 2.91% | 3.01% | 3.12% | -2 bps | |
| Efficiency Ratio | 74.27% | 76.23% | 92.39% | 98.00% | 93.55% | 90.75% | 84.93% | 78.63% | -1,937 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.77% | -6.48% | 6.62% | 14.53% | 22.63% | 24.77% | 15.22% | 11.13% | -339 bps | |
| Loan Growth (YoY) | 10.37% | 15.02% | 4.81% | -2.42% | -9.48% | 5.97% | 38.32% | 49.65% | +5,207 bps | |
| Share Growth (YoY) | -8.41% | -9.53% | 4.74% | 15.02% | 24.81% | 29.32% | 17.90% | 8.73% | -629 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 0.91% | 0.98% | 1.28% | 0.44% | 0.81% | 0.48% | 0.54% | -74 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 | 1.30% | 0.94% | 1.06% | 1.04% | 1.10% | 0.83% | 0.71% | 0.77% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 14.80% | 13.51% | 12.48% | 12.11% | 11.78% | 11.73% | 11.74% | -73 bps | |
| Net Worth / Assets | n/a | 14.80% | 13.51% | 12.48% | 12.11% | 11.78% | 11.73% | 11.74% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.27% | 85.05% | 69.80% | 62.15% | 58.94% | 69.69% | 81.89% | 85.53% | +2,339 bps | |
| Liquid Assets / Assets | 4.38% | 12.64% | 27.28% | 32.32% | 32.70% | 20.06% | 13.93% | 17.51% | -1,481 bps | |