Northglenn, CO · Charter 8502
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.41% | 2.36% | 2.67% | 2.28% | -0.49% | 0.53% | -0.37% | -0.20% | -247 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 | 5.35% | 5.61% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 98.47% | 94.74% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.92% | 1.61% | 4.73% | 8.06% | -15.43% | -19.53% | -26.90% | -32.71% | -4,077 bps | |
| Loan Growth (YoY) | -21.20% | -12.14% | 32.19% | 18.12% | -2.30% | -2.78% | -5.50% | -12.40% | -3,052 bps | |
| Share Growth (YoY) | -7.67% | 0.70% | 4.71% | 8.20% | -21.31% | -24.46% | -35.49% | -42.44% | -5,065 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 7.22% | 5.37% | 7.49% | 12.60% | 7.22% | 13.58% | 13.37% | +588 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 | 4.90% | 5.61% | 5.34% | 1.29% | 7.28% | 8.22% | 8.50% | 10.49% | +919 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 | 48.80% | 45.22% | 48.27% | 45.07% | 60.59% | 58.20% | 70.71% | 68.59% | +2,352 bps | |
| Liquid Assets / Assets | 62.05% | 66.46% | 63.55% | 61.25% | 57.53% | 60.10% | 51.06% | 13.63% | -4,762 bps | |