Englewood, CO · Cert 24096
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 | 1.60% | 1.75% | 1.72% | 1.71% | 1.58% | 1.74% | 1.46% | 1.56% | -15 bps | |
| Return on Equity | 22.95% | 22.37% | 21.99% | 22.00% | 20.40% | 22.40% | 18.26% | 19.17% | -283 bps | |
| Net Interest Margin | 3.77% | 4.00% | 3.99% | 3.92% | 3.77% | 3.76% | 3.82% | 3.75% | -17 bps | |
| Efficiency Ratio | 37.39% | 40.81% | 41.83% | 40.74% | 40.52% | 37.62% | 39.19% | 38.59% | -214 bps | |
| Non-Interest Burden | 0.97% | 1.24% | 1.32% | 1.24% | 1.17% | 1.06% | 1.15% | 1.09% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.18% | -0.28% | 2.76% | 7.72% | 16.03% | 14.16% | 10.15% | 9.91% | +219 bps | |
| Loan Growth (YoY) | 1.00% | 2.86% | 4.64% | 7.21% | 10.13% | 4.38% | 6.54% | 1.66% | -555 bps | |
| Deposit Growth (YoY) | 4.07% | 5.07% | 8.92% | 15.26% | 16.30% | 13.77% | 9.80% | 8.23% | -703 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 | 0.40% | 0.20% | 0.12% | 0.29% | 0.33% | 0.03% | 0.41% | 0.52% | +22 bps | |
| Allowance / Loans | 1.62% | 1.64% | 1.79% | 1.87% | 2.27% | 2.25% | 2.58% | 2.49% | +62 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 | 15.34% | 15.00% | 15.40% | 15.21% | 15.45% | 16.09% | 16.81% | 17.26% | +206 bps | |
| Equity / Assets | 7.92% | 7.73% | 7.76% | 7.76% | 7.62% | 7.88% | 8.42% | 8.61% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.15% | 49.43% | 48.31% | 48.28% | 47.49% | 45.35% | 46.88% | 45.34% | -293 bps | |
| Liquid Assets / Assets | 20.59% | 19.12% | 17.93% | 16.01% | 14.92% | 14.29% | 16.49% | 17.86% | +185 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |