Denver, CO · Cert 26649
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 | 1.48% | 1.66% | 1.49% | 1.76% | 1.57% | 1.78% | 1.80% | 1.83% | +7 bps | |
| Return on Equity | 26.64% | 31.23% | 23.83% | 25.80% | 23.29% | 26.12% | 24.78% | 23.88% | -192 bps | |
| Net Interest Margin | 3.74% | 3.73% | 3.92% | 3.98% | 3.86% | 3.95% | 4.10% | 3.99% | +1 bps | |
| Efficiency Ratio | 42.29% | 45.91% | 48.73% | 43.52% | 45.31% | 42.88% | 42.56% | 44.59% | +107 bps | |
| Non-Interest Burden | 0.92% | 1.13% | 1.36% | 1.12% | 1.19% | 1.16% | 1.19% | 1.24% | +12 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 | 0.10% | 0.24% | 0.16% | 0.70% | 0.97% | 0.16% | 0.09% | 0.10% | -60 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 |