Westminster, CO · Cert 26635
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.
Westminster, CO · Cert 26635
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 | 1.77% | 1.77% | 1.60% | 1.63% | 1.63% | 0.23% | 0.97% | 1.14% | -49 bps | |
| Return on Equity | 32.25% | 34.58% | 29.55% | 28.82% | 27.82% | 3.06% | 11.74% | 13.11% | -1,571 bps | |
| Net Interest Margin | 3.55% | 3.94% | 3.90% | 3.83% | 3.75% | 3.68% | 3.57% | 3.63% | -20 bps | |
| Efficiency Ratio | 48.44% | 49.24% | 50.40% | 50.06% | 50.79% | 49.62% | 50.43% | 50.04% | -2 bps | |
| Non-Interest Burden | 1.02% | 1.32% | 1.36% | 1.31% | 1.33% | 1.27% | 1.30% | 1.29% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.63% | 5.95% | 10.36% | 14.24% | 13.05% | 19.96% | 15.75% | 10.60% | -364 bps | |
| Loan Growth (YoY) | 22.25% | 25.62% | 6.08% | 3.03% | 6.79% | 1.67% | 6.51% | 10.10% | +707 bps | |
| Deposit Growth (YoY) | 9.61% | 9.58% | 14.14% | 17.07% | 14.81% | 9.89% | 11.15% | 6.99% | -1,008 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 | 0.16% | 0.10% | 0.10% | 0.12% | 0.23% | 0.17% | 0.40% | 0.31% | +19 bps | |
| Allowance / Loans | 1.04% | 1.18% | 1.44% | 1.44% | 1.46% | 1.56% | 1.30% | 1.72% | +27 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 | 14.61% | 13.40% | 14.01% | 14.32% | 14.72% | 20.49% | 20.87% | 21.80% | +748 bps | |
| Equity / Assets | 4.84% | 5.40% | 5.92% | 6.42% | 6.51% | 8.60% | 9.53% | 10.10% | +368 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 25.51% | 25.32% | 23.65% | 23.08% | 23.73% | 23.43% | 22.67% | 23.76% | +67 bps | |
| Liquid Assets / Assets | 39.00% | 37.40% | 34.95% | 32.63% | 30.67% | 25.06% | 24.41% | 25.51% | -712 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |