Denver, CO · Charter 9648
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.18% | 1.68% | 1.79% | 1.71% | 1.47% | 0.90% | 0.14% | 0.36% | -135 bps | |
| Return on Equity | -10.23% | 13.41% | 13.42% | 12.29% | 10.60% | 6.59% | 1.01% | 2.52% | -977 bps | |
| Net Interest Margin | 4.10% | 4.84% | 4.83% | 4.86% | 4.72% | 4.13% | 4.21% | 4.21% | -66 bps | |
| Efficiency Ratio | 74.59% | 67.85% | 68.23% | 69.07% | 72.12% | 79.95% | 78.15% | 79.17% | +1,010 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.24% | -12.56% | -9.87% | -5.06% | -6.96% | 0.98% | 0.96% | 0.46% | +552 bps | |
| Loan Growth (YoY) | -15.93% | -21.02% | -22.76% | -23.49% | -19.51% | -15.38% | -14.20% | -12.48% | +1,101 bps | |
| Share Growth (YoY) | -7.62% | -13.08% | -10.72% | -7.35% | -9.59% | -0.41% | 0.26% | -0.05% | +730 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 0.87% | 1.10% | 2.25% | 2.66% | 1.76% | 2.12% | 2.17% | -8 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 | 0.82% | 2.58% | 2.49% | 2.60% | 2.61% | 2.57% | 3.52% | 3.75% | +115 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.57% | 12.54% | 13.32% | 13.88% | 13.91% | 13.65% | 13.84% | 14.30% | +42 bps | |
| Net Worth / Assets | 11.57% | 12.54% | 13.32% | 13.88% | 13.91% | 13.65% | 13.84% | 14.30% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.88% | 48.43% | 47.75% | 46.75% | 43.51% | 41.15% | 40.87% | 40.94% | -581 bps | |
| Liquid Assets / Assets | 53.70% | 55.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |