Littleton, CO · Cert 26295
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.
Littleton, CO · Cert 26295
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 | 1.75% | 1.84% | 1.77% | 1.79% | 1.72% | 1.71% | 1.84% | 1.86% | +7 bps | |
| Return on Equity | 29.03% | 27.87% | 26.09% | 25.76% | 24.58% | 23.53% | 24.60% | 24.28% | -148 bps | |
| Net Interest Margin | 3.75% | 4.05% | 4.01% | 4.01% | 3.94% | 3.97% | 4.04% | 4.13% | +12 bps | |
| Efficiency Ratio | 46.35% | 45.50% | 46.74% | 45.83% | 46.30% | 46.17% | 44.76% | 44.17% | -166 bps | |
| Non-Interest Burden | 1.16% | 1.30% | 1.34% | 1.29% | 1.29% | 1.52% | 1.36% | 1.30% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.92% | 5.91% | 3.83% | 4.54% | 9.78% | 8.97% | 4.00% | 2.83% | -171 bps | |
| Loan Growth (YoY) | 12.63% | 7.59% | 5.41% | 2.99% | 0.09% | 1.67% | 2.07% | 1.74% | -125 bps | |
| Deposit Growth (YoY) | 4.52% | 7.63% | 10.54% | 10.92% | 14.37% | 8.02% | 2.45% | 1.53% | -940 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 | 0.05% | 0.06% | 0.11% | 0.18% | 0.18% | 1.23% | 0.86% | 0.59% | +41 bps | |
| Allowance / Loans | 1.17% | 1.22% | 1.30% | 1.34% | 1.83% | 1.50% | 1.33% | 1.49% | +16 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 | 14.49% | 14.95% | 15.53% | 15.59% | 15.61% | 16.36% | 16.31% | 16.82% | +122 bps | |
| Equity / Assets | 6.43% | 6.73% | 7.15% | 7.45% | 7.10% | 7.40% | 7.97% | 8.26% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.38% | 41.84% | 43.13% | 43.05% | 40.59% | 39.38% | 42.97% | 43.14% | +9 bps | |
| Liquid Assets / Assets | 25.00% | 23.94% | 22.93% | 21.53% | 19.53% | 16.99% | 16.53% | 15.37% | -615 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |