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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.89% | -1.47% | -1.59% | -0.14% | -0.66% | +23 bps | |
| Return on Equity | -9.65% | -15.93% | -16.68% | -1.26% | -5.88% | +378 bps | |
| Net Interest Margin | 3.95% | 4.35% | 4.61% | 3.30% | 3.28% | -67 bps | |
| Efficiency Ratio | 63.89% | 55.91% | 61.95% | 79.38% | 84.92% | +2,104 bps | |
| Non-Interest Burden | 1.82% | 1.07% | 1.72% | 2.24% | 2.59% | +76 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.07% | -11.52% | -24.93% | -26.08% | -23.08% | -1,801 bps | |
| Loan Growth (YoY) | -5.73% | -21.15% | -32.80% | -38.30% | -41.21% | -3,547 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 2.66% | 3.30% | 6.02% | 8.49% | 6.48% | +382 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.32% | 12.96% | 14.56% | 14.90% | 16.10% | +478 bps | |
| Equity / Assets | 9.33% | 9.33% | 11.05% | 11.19% | 11.22% | +189 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.49% | 84.17% | 87.08% | 79.31% | 74.28% | -2,521 bps | |
| Liquid Assets / Assets | 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 |