Boulder, CO · Cert 22036
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Boulder, CO · Cert 22036
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 2.03% | 1.85% | 1.82% | 1.86% | 1.88% | 2.00% | 1.90% | +8 bps | |
| Return on Equity | 21.25% | 31.58% | 28.10% | 27.04% | 27.53% | 26.93% | 27.56% | 25.59% | -145 bps | |
| Net Interest Margin | 3.88% | 4.30% | 4.37% | 4.32% | 4.24% | 4.32% | 4.40% | 4.48% | +16 bps | |
| Efficiency Ratio | 44.17% | 40.68% | 44.07% | 43.50% | 43.12% | 39.47% | 38.57% | 39.46% | -405 bps | |
| Non-Interest Burden | 1.18% | 1.23% | 1.50% | 1.43% | 1.37% | 1.22% | 1.11% | 1.20% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.01% | -0.31% | 3.94% | 5.22% | 6.31% | 9.36% | 7.21% | 5.50% | +29 bps | |
| Loan Growth (YoY) | 22.26% | 25.47% | 22.20% | 7.23% | 4.39% | 5.80% | 4.16% | 2.33% | -489 bps | |
| Deposit Growth (YoY) | 5.41% | -0.87% | 11.97% | 14.18% | 13.47% | 8.57% | 5.69% | 4.21% | -997 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 | 0.05% | 0.04% | 0.07% | 0.95% | 0.69% | 0.02% | 0.33% | 0.53% | -42 bps | |
| Allowance / Loans | 1.67% | 1.75% | 1.81% | 1.34% | 1.33% | 1.37% | 1.39% | 1.56% | +22 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 | 13.87% | 14.39% | 14.32% | 14.60% | 14.55% | 14.71% | 16.10% | 16.19% | +160 bps | |
| Equity / Assets | 6.23% | 6.63% | 6.91% | 7.09% | 6.91% | 7.04% | 7.86% | 7.88% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.72% | 43.50% | 44.35% | 42.84% | 42.06% | 42.39% | 43.71% | 42.07% | -77 bps | |
| Liquid Assets / Assets | 24.83% | 24.95% | 24.98% | 23.75% | 22.07% | 21.25% | 22.40% | 23.31% | -43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |