Longmont, CO · Cert 13084
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.56% | 1.32% | 1.83% | 1.06% | 1.87% | 1.95% | 2.21% | +38 bps | |
| Return on Equity | 17.04% | 24.14% | 18.99% | 25.21% | 14.02% | 24.59% | 24.67% | 27.10% | +189 bps | |
| Net Interest Margin | 3.76% | 4.07% | 4.17% | 4.12% | 4.23% | 4.23% | 4.40% | 4.39% | +27 bps | |
| Efficiency Ratio | 46.49% | 49.91% | 51.10% | 47.40% | 47.54% | 46.58% | 43.53% | 42.24% | -516 bps | |
| Non-Interest Burden | 1.21% | 1.54% | 1.64% | 1.45% | 1.82% | 1.48% | 1.38% | 1.27% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.70% | -1.73% | -1.27% | -5.65% | -4.00% | 3.48% | 3.26% | 4.77% | +1,042 bps | |
| Loan Growth (YoY) | 10.94% | 13.41% | 13.86% | 14.35% | 4.08% | 4.45% | 7.63% | 8.88% | -547 bps | |
| Deposit Growth (YoY) | 3.09% | 8.61% | 11.05% | 4.54% | 6.48% | 2.50% | 1.98% | 4.12% | -42 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 | 0.09% | 0.09% | 0.51% | -0.03% | 1.85% | 0.23% | 0.03% | 0.03% | +7 bps | |
| Allowance / Loans | 1.20% | 1.36% | 1.34% | 1.33% | 1.47% | 1.41% | 1.46% | 1.31% | -2 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 | 14.94% | 15.18% | 14.74% | 15.29% | 15.83% | 16.29% | 17.05% | 16.76% | +147 bps | |
| Equity / Assets | 6.02% | 6.97% | 6.93% | 7.62% | 7.47% | 7.75% | 8.05% | 8.29% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.01% | 37.15% | 36.72% | 38.28% | 37.15% | 37.85% | 38.76% | 40.03% | +175 bps | |
| Liquid Assets / Assets | 31.00% | 33.10% | 30.36% | 30.10% | 28.74% | 27.78% | 26.77% | 29.90% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |