Fort Collins, CO · Cert 14372
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Fort Collins, CO · Cert 14372
FDIC
Q2 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.03% | -0.08% | -0.89% | -1.47% | -1.59% | -0.14% | -0.66% | +23 bps | |
| Return on Equity | 4.18% | 0.27% | -0.85% | -9.65% | -15.93% | -16.68% | -1.26% | -5.88% | +378 bps | |
| Net Interest Margin | 4.08% | 4.03% | 3.82% | 3.95% | 4.35% | 4.61% | 3.30% | 3.28% | -67 bps | |
| Efficiency Ratio | 67.54% | 67.66% | 65.47% | 63.89% | 55.91% | 61.95% | 79.38% | 84.92% | +2,104 bps | |
| Non-Interest Burden | 2.22% | 2.26% | 1.92% | 1.82% | 1.07% | 1.72% | 2.24% | 2.59% | +76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 77.69% | 80.88% | 2.42% | -5.07% | -11.52% | -24.93% | -26.08% | -23.08% | -1,801 bps | |
| Loan Growth (YoY) | 81.87% | 80.56% | 0.44% | -5.73% | -21.15% | -32.80% | -38.30% | -41.21% | -3,547 bps | |
| Deposit Growth (YoY) | 64.61% | 65.20% | -4.05% | -3.32% | -4.15% | -19.40% | -21.14% | -21.25% | -1,793 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 | 0.97% | 1.22% | 1.83% | 2.66% | 3.30% | 6.02% | 8.49% | 6.48% | +382 bps | |
| Allowance / Loans | 1.47% | 1.85% | 2.10% | 2.97% | 5.04% | 3.88% | 2.84% | 3.34% | +37 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 | 11.18% | 10.96% | 11.38% | 11.32% | 12.96% | 14.56% | 14.90% | 16.10% | +478 bps | |
| Equity / Assets | 9.55% | 9.19% | 9.15% | 9.33% | 9.33% | 11.05% | 11.19% | 11.22% | +189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.32% | 104.45% | 101.36% | 99.49% | 84.17% | 87.08% | 79.31% | 74.28% | -2,521 bps | |
| Liquid Assets / Assets | 3.47% | 3.89% | 10.20% | 8.29% | 17.59% | 9.09% | 6.59% | 11.64% | +335 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |