Longmont, CO · Cert 13084
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.56% | 1.43% | 1.56% | 1.43% | 1.87% | 1.91% | 2.01% | +45 bps | |
| Return on Equity | 20.08% | 24.14% | 21.61% | 22.77% | 20.53% | 24.59% | 24.58% | 25.50% | +273 bps | |
| Net Interest Margin | 3.53% | 4.07% | 4.12% | 4.12% | 4.16% | 4.23% | 4.27% | 4.25% | +13 bps | |
| Efficiency Ratio | 51.15% | 49.91% | 50.51% | 49.48% | 48.99% | 46.58% | 45.02% | 44.06% | -542 bps | |
| Non-Interest Burden | 1.29% | 1.54% | 1.59% | 1.54% | 1.61% | 1.48% | 1.41% | 1.35% | -19 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 | 0.08% | 0.09% | 0.30% | 0.19% | 0.60% | 0.23% | 0.12% | 0.09% | -10 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 |