Littleton, CO · Cert 26460
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 26460
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 | 1.29% | 1.43% | 1.04% | 1.03% | 0.96% | 0.91% | 0.87% | 0.99% | -4 bps | |
| Return on Equity | 20.48% | 21.44% | 15.42% | 15.14% | 14.41% | 14.16% | 13.15% | 14.79% | -35 bps | |
| Net Interest Margin | 3.80% | 4.10% | 4.02% | 3.91% | 3.74% | 3.76% | 3.76% | 3.74% | -17 bps | |
| Efficiency Ratio | 49.68% | 53.58% | 57.09% | 56.37% | 56.23% | 54.60% | 55.02% | 56.10% | -27 bps | |
| Non-Interest Burden | 1.57% | 1.90% | 2.02% | 1.93% | 1.82% | 1.76% | 1.77% | 1.82% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.07% | 4.05% | -0.97% | 1.01% | 13.10% | 10.11% | 8.77% | 17.21% | +1,620 bps | |
| Loan Growth (YoY) | 12.96% | 6.28% | -0.90% | 4.28% | 2.67% | 8.79% | 6.52% | -1.34% | -561 bps | |
| Deposit Growth (YoY) | 3.16% | 9.56% | 7.93% | 17.12% | 26.54% | 10.25% | 8.74% | 14.96% | -216 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 | 0.19% | 0.16% | 0.16% | 0.26% | 0.48% | -0.04% | 0.60% | 0.42% | +16 bps | |
| Allowance / Loans | 1.46% | 1.41% | 1.87% | 1.86% | 2.18% | 2.48% | 2.61% | 2.44% | +57 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 | 13.88% | 14.50% | 14.54% | 14.38% | 13.66% | 13.92% | 14.40% | 14.66% | +28 bps | |
| Equity / Assets | 6.51% | 6.87% | 6.84% | 6.98% | 6.31% | 6.60% | 6.91% | 6.84% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.45% | 45.47% | 44.76% | 48.07% | 43.37% | 44.87% | 43.84% | 41.25% | -681 bps | |
| Liquid Assets / Assets | 29.73% | 28.73% | 26.48% | 23.94% | 20.64% | 19.86% | 18.42% | 19.05% | -489 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |