Lakewood, CO · Cert 23470
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 | 1.71% | 1.72% | 1.69% | 1.62% | 1.61% | 1.66% | 1.63% | 1.54% | -8 bps | |
| Return on Equity | 27.17% | 27.62% | 26.39% | 25.03% | 24.48% | 24.09% | 23.16% | 21.38% | -365 bps | |
| Net Interest Margin | 3.43% | 3.72% | 3.82% | 3.63% | 3.59% | 3.66% | 3.70% | 3.75% | +12 bps | |
| Efficiency Ratio | 44.87% | 47.29% | 47.44% | 46.89% | 46.92% | 45.67% | 45.68% | 46.76% | -13 bps | |
| Non-Interest Burden | 0.88% | 1.21% | 1.25% | 1.16% | 1.14% | 1.15% | 1.16% | 1.24% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.19% | 10.08% | 10.52% | 11.69% | 14.98% | 10.86% | 7.54% | 2.02% | -967 bps | |
| Loan Growth (YoY) | 58.59% | 45.46% | 26.03% | 7.70% | 1.61% | -2.39% | 1.76% | 0.02% | -768 bps | |
| Deposit Growth (YoY) | 13.68% | 17.67% | 16.67% | 15.96% | 15.39% | 8.16% | 6.86% | 0.39% | -1,557 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 | 0.06% | 0.29% | 0.17% | 0.17% | 0.17% | 0.06% | 0.05% | 0.10% | -8 bps | |
| Allowance / Loans | 1.19% | 1.17% | 1.20% | 1.34% | 1.53% | 1.49% | 1.59% | 1.77% | +43 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 | 13.56% | 13.49% | 14.24% | 13.95% | 14.83% | 14.83% | 15.11% | 15.46% | +151 bps | |
| Equity / Assets | 6.10% | 6.31% | 6.77% | 6.69% | 6.85% | 6.93% | 7.34% | 7.79% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.88% | 38.71% | 38.11% | 36.59% | 34.23% | 34.93% | 36.29% | 36.46% | -13 bps | |
| Liquid Assets / Assets | 26.55% | 25.50% | 23.78% | 21.83% | 19.78% | 18.35% | 17.58% | 16.74% | -510 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |