Greenwood Village, CO · Cert 21132
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.16% | -0.17% | -7.98% | -0.35% | -6.77% | -4.30% | -4.03% | -0.75% | -40 bps | |
| Return on Equity | -33.30% | -2.60% | -137.92% | -7.11% | -159.49% | -140.47% | -185.43% | -43.62% | -3,651 bps | |
| Net Interest Margin | 1.98% | 2.19% | 2.12% | 2.30% | 2.28% | 2.37% | 2.34% | 2.41% | +11 bps | |
| Efficiency Ratio | 85.87% | 97.36% | 93.13% | 116.40% | 140.30% | 164.07% | 241% | 130.22% | +1,382 bps | |
| Non-Interest Burden | 1.64% | 2.12% | 1.96% | 2.65% | 3.12% | 3.65% | 3.97% | 3.16% | +51 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 | 6.82% | 0.55% | 5.40% | 0.26% | 7.05% | 7.19% | 3.82% | 1.87% | +161 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 |