Arvada, CO · Cert 22794
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 | 1.56% | 1.86% | 1.81% | 1.81% | 1.84% | 1.61% | 1.73% | 1.67% | -14 bps | |
| Return on Equity | 27.53% | 34.42% | 32.17% | 30.76% | 30.73% | 23.15% | 23.34% | 21.50% | -927 bps | |
| Net Interest Margin | 3.60% | 3.88% | 3.85% | 3.80% | 3.70% | 3.80% | 3.74% | 3.73% | -7 bps | |
| Efficiency Ratio | 42.20% | 44.12% | 44.66% | 42.87% | 42.21% | 39.50% | 39.53% | 39.37% | -349 bps | |
| Non-Interest Burden | 1.06% | 1.39% | 1.37% | 1.25% | 1.17% | 1.07% | 1.08% | 1.05% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.12% | 9.42% | 8.06% | 14.71% | 13.47% | 14.03% | 11.78% | 6.94% | -777 bps | |
| Loan Growth (YoY) | 16.69% | 15.74% | 15.20% | 20.84% | 13.78% | 13.51% | 5.18% | -0.74% | -2,158 bps | |
| Deposit Growth (YoY) | 9.90% | 10.50% | 13.78% | 18.92% | 15.90% | 9.39% | 8.46% | 3.78% | -1,514 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 | 0.52% | 0.39% | 0.19% | 0.14% | 0.11% | -0.01% | 0.02% | 0.03% | -11 bps | |
| Allowance / Loans | 1.32% | 1.10% | 1.14% | 1.18% | 1.30% | 1.22% | 1.15% | 1.81% | +63 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 | 16.55% | 16.50% | 16.26% | 16.26% | 16.77% | 19.44% | 20.81% | 22.14% | +587 bps | |
| Equity / Assets | 5.30% | 5.48% | 6.04% | 6.58% | 6.38% | 7.48% | 8.30% | 8.82% | +224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 24.55% | 23.45% | 24.73% | 25.11% | 24.10% | 24.33% | 23.98% | 24.01% | -109 bps | |
| Liquid Assets / Assets | 40.43% | 38.91% | 37.15% | 33.53% | 30.82% | 28.78% | 28.69% | 34.57% | +104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |