Greenwood Village, CO · Cert 21132
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Greenwood Village, CO · Cert 21132
FDIC
Q3 2011
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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.41% | -0.17% | -4.08% | -2.87% | -3.80% | -4.30% | -4.15% | -3.10% | -23 bps | |
| Return on Equity | -32.55% | -2.60% | -68.21% | -49.96% | -71.56% | -140.47% | -157.63% | -127.31% | -7,735 bps | |
| Net Interest Margin | 1.93% | 2.19% | 2.20% | 2.31% | 2.33% | 2.37% | 2.44% | 2.53% | +22 bps | |
| Efficiency Ratio | 85.16% | 97.36% | 95.27% | 101.47% | 109.92% | 164.07% | 191.13% | 165.78% | +6,431 bps | |
| Non-Interest Burden | 1.98% | 2.12% | 2.08% | 2.35% | 2.56% | 3.65% | 3.93% | 3.84% | +150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.25% | -1.76% | -6.26% | -9.01% | -9.60% | -19.13% | -18.10% | -22.57% | -1,356 bps | |
| Loan Growth (YoY) | -13.42% | -12.28% | -10.51% | -7.42% | -8.11% | -16.06% | -19.01% | -22.84% | -1,542 bps | |
| Deposit Growth (YoY) | 6.26% | 1.85% | -2.08% | -7.24% | -6.15% | -15.20% | -15.47% | -19.61% | -1,237 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 | 3.16% | 0.55% | 2.98% | 2.10% | 3.42% | 7.19% | 5.76% | 4.70% | +260 bps | |
| Allowance / Loans | 2.97% | 3.25% | 4.89% | 4.89% | 5.45% | 4.70% | 4.90% | 4.73% | -15 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 | 9.47% | 9.80% | 7.62% | 7.55% | 5.28% | 4.58% | 3.45% | 3.41% | -414 bps | |
| Equity / Assets | 6.35% | 6.56% | 4.96% | 4.99% | 3.47% | 2.61% | 1.71% | 1.73% | -326 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.13% | 80.57% | 81.44% | 82.23% | 80.41% | 79.76% | 78.02% | 78.92% | -330 bps | |
| Liquid Assets / Assets | 14.37% | 13.82% | 12.45% | 12.21% | 14.17% | 12.31% | 13.69% | 13.45% | +124 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |