Denver, CO · Charter 24419
Q3 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 1.03% | 0.48% | -0.25% | -0.17% | 1.18% | 1.23% | 1.00% | +126 bps | |
| Return on Equity | 13.71% | 8.75% | 4.18% | -2.22% | -1.52% | 10.08% | 9.95% | 8.03% | +1,025 bps | |
| Net Interest Margin | 2.68% | 2.71% | 2.74% | 2.93% | 3.05% | 3.07% | 3.20% | 3.23% | +29 bps | |
| Efficiency Ratio | 66.14% | 72.17% | 76.23% | 81.54% | 82.22% | 67.33% | 69.46% | 75.30% | -624 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.74% | 6.69% | 5.02% | 2.00% | -2.07% | 1.16% | -1.64% | -0.30% | -230 bps | |
| Loan Growth (YoY) | 2.14% | 0.10% | -3.09% | -4.23% | -6.58% | -12.13% | -10.71% | -9.68% | -545 bps | |
| Share Growth (YoY) | 8.36% | 8.98% | 7.79% | 3.62% | -0.61% | 2.52% | -2.16% | -1.61% | -523 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.95% | 1.19% | 1.31% | 0.97% | 0.47% | 0.44% | 0.48% | -83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.91% | 0.92% | 0.98% | 1.15% | 1.27% | 1.35% | 1.28% | 1.24% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.60% | 11.72% | 11.44% | 11.46% | 11.39% | 11.75% | 12.41% | 12.48% | +101 bps | |
| Net Worth / Assets | 11.60% | 11.72% | 11.44% | 11.46% | 11.39% | 11.75% | 12.41% | 12.48% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.98% | 80.52% | 78.54% | 77.72% | 74.24% | 69.02% | 71.67% | 71.34% | -638 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |