Colorado Springs, CO · Cert 90666
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | 0.73% | 2.06% | 0.58% | -0.26% | 1.38% | -0.67% | -1.33% | -190 bps | |
| Return on Equity | -1.31% | 7.78% | 20.44% | 5.28% | -2.38% | 12.46% | -5.85% | -11.52% | -1,680 bps | |
| Net Interest Margin | 4.13% | 4.68% | 4.36% | 4.20% | 3.90% | 4.08% | 3.91% | 3.65% | -55 bps | |
| Efficiency Ratio | 96.00% | 79.43% | 73.15% | 88.44% | 94.52% | 78.98% | 111.46% | 118.54% | +3,010 bps | |
| Non-Interest Burden | 3.88% | 3.25% | 1.92% | 3.22% | 3.39% | 2.16% | 4.50% | 4.54% | +132 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.43% | 14.22% | 8.05% | 1.54% | -6.64% | -6.64% | -6.59% | -4.17% | -571 bps | |
| Loan Growth (YoY) | 11.78% | 13.46% | 15.64% | 11.36% | -6.65% | -4.02% | -10.03% | -17.07% | -2,843 bps | |
| Deposit Growth (YoY) | 22.71% | 15.98% | 8.67% | -0.47% | -7.02% | -7.19% | -6.39% | -1.51% | -104 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.16% | 0.00% | 0.45% | 0.50% | 0.12% | 1.15% | 0.72% | +27 bps | |
| Allowance / Loans | 2.04% | 2.18% | 2.27% | 2.24% | 2.52% | 2.61% | 2.58% | 2.72% | +48 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.15% | 13.37% | 13.79% | 14.20% | 15.06% | 15.46% | 15.70% | 15.90% | +170 bps | |
| Equity / Assets | 9.31% | 9.46% | 10.71% | 11.08% | 10.95% | 11.23% | 11.76% | 11.28% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.19% | 71.97% | 79.82% | 85.06% | 73.48% | 74.44% | 76.72% | 71.62% | -1,344 bps | |
| Liquid Assets / Assets | 13.89% | 13.84% | 12.19% | 12.34% | 12.71% | 15.94% | 17.10% | 17.16% | +482 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |