Littleton, CO · Cert 26295
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.04% | 1.84% | 1.69% | 1.83% | 1.52% | 1.71% | 1.96% | 1.92% | +9 bps | |
| Return on Equity | 32.61% | 27.87% | 24.38% | 25.09% | 20.84% | 23.53% | 25.46% | 23.65% | -144 bps | |
| Net Interest Margin | 3.95% | 4.05% | 4.09% | 4.06% | 4.02% | 3.97% | 4.10% | 4.20% | +14 bps | |
| Efficiency Ratio | 42.55% | 45.50% | 47.92% | 44.06% | 47.67% | 46.17% | 43.52% | 43.10% | -97 bps | |
| Non-Interest Burden | 1.08% | 1.30% | 1.42% | 1.19% | 1.39% | 1.52% | 1.20% | 1.12% | -7 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% | 0.17% | 0.30% | 0.17% | 1.23% | 0.52% | 0.06% | -24 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 |