Denver, CO · Charter 19477
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.57% | 0.62% | 0.20% | 0.18% | -2.08% | 0.19% | 0.37% | +17 bps | |
| Return on Equity | 8.75% | 4.88% | 5.15% | 1.73% | 1.48% | -18.76% | 1.67% | 3.17% | +144 bps | |
| Net Interest Margin | 4.47% | 4.09% | 4.14% | 4.11% | 4.12% | 3.95% | 3.97% | 3.88% | -23 bps | |
| Efficiency Ratio | 80.28% | 85.21% | 85.81% | 90.60% | 92.34% | 95.95% | 90.57% | 78.38% | -1,223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | -2.28% | -3.31% | -1.20% | 1.69% | 0.72% | 3.24% | 3.72% | +492 bps | |
| Loan Growth (YoY) | 4.29% | 6.65% | 0.45% | -3.46% | -3.31% | -4.84% | -1.00% | -6.42% | -296 bps | |
| Share Growth (YoY) | 0.81% | -4.06% | -4.50% | -1.92% | 0.74% | 1.23% | 2.79% | 3.76% | +568 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.07% | 0.41% | 0.39% | 0.38% | 0.00% | 0.38% | 0.51% | +12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.37% | 0.33% | 0.62% | 0.61% | 0.29% | 0.29% | 0.27% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.04% | 11.64% | 12.05% | 11.72% | 12.02% | 11.07% | 11.60% | 11.60% | -12 bps | |
| Net Worth / Assets | 12.04% | 11.64% | 12.05% | 11.72% | 12.02% | 11.07% | 11.60% | 11.60% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.92% | 62.03% | 61.19% | 60.30% | 63.27% | 58.31% | 58.93% | 54.38% | -592 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |