Fort Collins, CO · Cert 14372
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | -0.94% | -0.08% | -1.72% | -2.72% | -1.97% | -0.14% | -1.18% | +54 bps | |
| Return on Equity | 1.31% | -10.08% | -0.85% | -18.61% | -29.18% | -19.44% | -1.26% | -10.54% | +807 bps | |
| Net Interest Margin | 4.26% | 3.96% | 3.82% | 4.02% | 4.24% | 3.51% | 3.30% | 3.25% | -77 bps | |
| Efficiency Ratio | 64.58% | 68.05% | 65.47% | 62.45% | 44.43% | 93.22% | 79.38% | 91.73% | +2,928 bps | |
| Non-Interest Burden | 2.18% | 2.43% | 1.92% | 1.70% | -0.86% | 3.21% | 2.24% | 2.93% | +123 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 | 1.11% | 2.03% | 1.83% | 3.40% | 3.51% | 12.70% | 8.49% | 3.61% | +21 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 |