Denver, CO · Cert 18914
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Denver, CO · Cert 18914
FDIC
Q2 2002
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.66% | 1.39% | 1.31% | 1.54% | 1.61% | 1.94% | 2.40% | +110 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 21.95% | 26.77% | n/a | |
| Net Interest Margin | n/a | n/a | 5.13% | 4.97% | 4.98% | 5.08% | 4.76% | 4.62% | -36 bps | |
| Efficiency Ratio | n/a | n/a | 64.86% | 65.93% | 63.15% | 61.33% | 60.90% | 54.27% | -1,166 bps | |
| Non-Interest Burden | n/a | n/a | 2.12% | 2.00% | 1.62% | 1.40% | 0.91% | 0.15% | -185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.67% | -0.98% | -4.86% | 8.46% | 0.57% | -3.84% | -4.99% | -8.28% | -1,673 bps | |
| Loan Growth (YoY) | -0.35% | -4.79% | -1.68% | -8.76% | -2.33% | -9.74% | -15.42% | -11.67% | -291 bps | |
| Deposit Growth (YoY) | 10.37% | 0.70% | -3.47% | -3.71% | -0.41% | 0.09% | -4.96% | -7.83% | -412 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 | n/a | n/a | 0.95% | 0.93% | 1.01% | 1.19% | 1.51% | 1.50% | +57 bps | |
| Allowance / Loans | n/a | n/a | 1.76% | 1.97% | 2.42% | 3.14% | 3.27% | 3.30% | +133 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 | n/a | n/a | 12.09% | 12.63% | 12.65% | 12.75% | 13.04% | 12.66% | +3 bps | |
| Equity / Assets | n/a | n/a | 8.41% | 7.30% | 8.03% | 8.26% | 9.50% | 9.20% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.31% | 73.86% | 75.49% | 69.67% | 69.93% | 66.60% | 67.18% | 66.77% | -290 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 2.12% | 1.94% | 2.82% | 3.16% | 2.84% | 3.00% | +105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |