Denver, CO · Charter 9402
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.13% | 5.00% | 4.28% | 3.43% | 3.96% | 4.22% | 3.52% | 2.55% | -88 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 | n/a | n/a | -13.49% | -19.06% | -4.40% | -4.79% | -7.26% | +623 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 56.67% | 19.11% | -1.25% | -13.76% | -18.75% | -7,543 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -16.17% | -22.00% | -5.52% | -6.30% | -8.91% | +726 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.33% | 0.51% | 0.24% | 2.00% | 5.51% | +518 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 | 1.04% | 0.87% | 0.92% | 0.91% | 0.90% | 0.90% | 1.09% | 1.19% | +28 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 | 54.77% | 78.02% | 70.75% | 74.31% | 83.62% | 81.54% | 65.12% | 66.28% | -803 bps | |
| Liquid Assets / Assets | 30.78% | 7.91% | 35.65% | 33.88% | 27.04% | 1.43% | 1.41% | 40.51% | +664 bps | |