Walsh, CO · Cert 11264
FDIC
Q3 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.90% | 0.89% | 0.83% | 0.81% | 0.75% | 0.80% | 0.57% | -27 bps | |
| Return on Equity | 6.49% | 6.28% | 6.15% | 5.77% | 5.57% | 5.11% | 5.62% | 3.97% | -180 bps | |
| Net Interest Margin | 3.01% | 2.75% | 2.85% | 2.84% | 2.75% | 2.75% | 2.81% | 2.79% | -6 bps | |
| Efficiency Ratio | 63.12% | 60.38% | 62.40% | 65.33% | 66.72% | 69.25% | 66.51% | 82.05% | +1,672 bps | |
| Non-Interest Burden | 1.86% | 1.61% | 1.74% | 1.82% | 1.80% | 1.87% | 1.83% | 2.27% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.25% | 10.33% | 2.67% | 11.13% | 4.21% | -1.84% | 6.66% | -2.02% | -1,315 bps | |
| Loan Growth (YoY) | -6.68% | -14.19% | -11.10% | -6.48% | 0.22% | 7.54% | -5.78% | -7.51% | -103 bps | |
| Deposit Growth (YoY) | 11.44% | 10.47% | 2.12% | 12.64% | 4.56% | -2.32% | 8.63% | -1.53% | -1,417 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 | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | -0.10% | -0.09% | -0.13% | -12 bps | |
| Allowance / Loans | 1.51% | 1.65% | 1.50% | 1.58% | 1.51% | 1.57% | 1.65% | 1.81% | +23 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 | 27.04% | 28.13% | 27.91% | 28.28% | 28.35% | 29.55% | 28.34% | 32.93% | +465 bps | |
| Equity / Assets | 14.61% | 14.08% | 14.89% | 14.31% | 14.49% | 14.70% | 13.79% | 14.27% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.27% | 38.53% | 44.50% | 40.09% | 42.43% | 42.42% | 38.60% | 37.65% | -243 bps | |
| Liquid Assets / Assets | 7.18% | 7.23% | 8.70% | 10.48% | 11.71% | 11.93% | 11.99% | 11.61% | +113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |