Englewood, CO · Cert 21001
FDIC
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Englewood, CO · Cert 21001
FDIC
Q2 2003
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.17% | 1.16% | 0.67% | 0.76% | 0.79% | 0.78% | 0.76% | +9 bps | |
| Return on Equity | n/a | n/a | 9.76% | 5.81% | 6.54% | 6.91% | 7.18% | 6.90% | +110 bps | |
| Net Interest Margin | 4.44% | 4.28% | 4.07% | 3.88% | 3.81% | 3.81% | 3.26% | 3.18% | -69 bps | |
| Efficiency Ratio | 55.09% | 60.41% | 59.81% | 59.66% | 64.91% | 66.20% | 68.62% | 69.49% | +984 bps | |
| Non-Interest Burden | 2.21% | 2.38% | 2.22% | 2.12% | 2.31% | 2.37% | 2.07% | 2.07% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.45% | 10.24% | 11.50% | 13.28% | 8.10% | 10.94% | 10.53% | 3.42% | -986 bps | |
| Loan Growth (YoY) | 11.28% | 11.99% | 24.86% | 21.39% | 14.31% | 12.24% | 0.66% | -8.88% | -3,027 bps | |
| Deposit Growth (YoY) | 4.81% | 9.19% | 17.38% | 14.53% | 14.08% | 17.06% | 11.02% | 6.12% | -840 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 | 0.02% | 0.06% | -0.08% | -0.03% | -0.02% | 0.00% | -0.01% | 0.00% | +3 bps | |
| Allowance / Loans | 0.91% | 0.95% | 0.93% | 0.87% | 0.92% | 0.93% | 0.97% | 0.99% | +12 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 | 18.56% | 19.20% | 18.29% | 18.05% | 18.79% | 19.19% | 19.80% | 20.43% | +238 bps | |
| Equity / Assets | 12.42% | 12.23% | 11.49% | 11.04% | 11.49% | 11.04% | 10.69% | 11.29% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.44% | 58.06% | 56.94% | 62.19% | 59.56% | 55.67% | 51.62% | 53.39% | -879 bps | |
| Liquid Assets / Assets | 38.77% | 39.44% | 33.65% | 34.92% | 38.08% | 30.67% | 35.31% | 28.31% | -661 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |