Avon, CO · Cert 23568
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.
Avon, CO · Cert 23568
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 | 1.52% | 1.88% | 1.90% | 1.75% | 1.84% | 1.42% | 1.21% | 1.26% | -49 bps | |
| Return on Equity | 23.06% | 27.16% | 26.66% | 24.05% | 24.71% | 17.88% | 15.47% | 16.09% | -796 bps | |
| Net Interest Margin | 3.89% | 4.47% | 4.67% | 4.75% | 4.96% | 4.67% | 4.70% | 4.75% | 0 bps | |
| Efficiency Ratio | 46.67% | 45.02% | 44.58% | 43.97% | 44.45% | 46.94% | 47.28% | 47.55% | +358 bps | |
| Non-Interest Burden | 1.33% | 1.53% | 1.59% | 1.59% | 1.69% | 1.75% | 1.79% | 1.82% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.89% | 3.73% | -0.29% | -2.40% | -9.11% | -8.70% | -8.50% | -5.51% | -311 bps | |
| Loan Growth (YoY) | 18.53% | 19.83% | 16.79% | 12.18% | 4.90% | 6.06% | 4.20% | 4.32% | -785 bps | |
| Deposit Growth (YoY) | -9.51% | -5.70% | -14.43% | -4.08% | -3.58% | -2.65% | 0.90% | -6.20% | -212 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 | 0.04% | 0.04% | 0.24% | 0.29% | 0.43% | 0.15% | 0.20% | 0.33% | +4 bps | |
| Allowance / Loans | 1.03% | 1.12% | 1.16% | 1.47% | 1.53% | 1.77% | 2.25% | 2.44% | +96 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 | 14.02% | 14.74% | 15.28% | 15.37% | 15.92% | 14.97% | 14.53% | 14.90% | -47 bps | |
| Equity / Assets | 6.70% | 7.14% | 7.55% | 7.73% | 8.18% | 7.71% | 7.60% | 7.77% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.86% | 72.44% | 84.44% | 81.81% | 81.44% | 78.92% | 87.20% | 90.99% | +917 bps | |
| Liquid Assets / Assets | 16.84% | 17.54% | 17.86% | 17.97% | 17.84% | 17.34% | 16.32% | 15.08% | -289 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |