Denver, CO · Cert 26649
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.
Denver, CO · Cert 26649
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 | 1.67% | 1.66% | 1.57% | 1.63% | 1.62% | 1.78% | 1.79% | 1.80% | +17 bps | |
| Return on Equity | 29.00% | 31.23% | 27.08% | 26.80% | 26.07% | 26.12% | 25.44% | 24.85% | -195 bps | |
| Net Interest Margin | 3.53% | 3.73% | 3.77% | 3.82% | 3.70% | 3.95% | 4.03% | 3.97% | +15 bps | |
| Efficiency Ratio | 44.65% | 45.91% | 47.36% | 46.03% | 45.85% | 42.88% | 42.72% | 43.35% | -269 bps | |
| Non-Interest Burden | 0.94% | 1.13% | 1.23% | 1.19% | 1.15% | 1.16% | 1.18% | 1.18% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.31% | 13.65% | 6.16% | 11.90% | 10.10% | 10.11% | 9.70% | 6.84% | -506 bps | |
| Loan Growth (YoY) | 17.57% | 14.94% | 20.23% | 17.29% | 14.88% | 14.35% | 9.90% | 7.17% | -1,011 bps | |
| Deposit Growth (YoY) | 9.59% | 17.55% | 15.57% | 19.76% | 17.97% | 8.32% | 8.62% | 6.10% | -1,366 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 | 0.09% | 0.24% | 0.19% | 0.35% | 0.50% | 0.16% | 0.12% | 0.12% | -24 bps | |
| Allowance / Loans | 1.58% | 1.60% | 1.75% | 1.62% | 1.58% | 1.63% | 1.73% | 1.73% | +11 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 | 13.53% | 13.99% | 14.63% | 14.50% | 13.78% | 14.63% | 15.51% | 16.82% | +233 bps | |
| Equity / Assets | 4.91% | 5.70% | 6.80% | 6.88% | 6.60% | 7.05% | 7.48% | 7.85% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.17% | 40.29% | 42.66% | 43.38% | 42.04% | 42.53% | 43.17% | 43.82% | +44 bps | |
| Liquid Assets / Assets | 19.53% | 19.27% | 18.56% | 17.70% | 16.42% | 15.71% | 18.49% | 20.68% | +298 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |