Denver, CO · Cert 27225
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 27225
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 | 1.50% | 1.70% | 1.60% | 1.74% | 1.59% | 0.35% | 0.95% | 1.19% | -55 bps | |
| Return on Equity | 21.08% | 20.50% | 18.56% | 19.46% | 17.62% | 3.76% | 10.15% | 12.42% | -704 bps | |
| Net Interest Margin | 4.19% | 4.65% | 4.93% | 4.94% | 4.94% | 4.84% | 4.68% | 4.65% | -29 bps | |
| Efficiency Ratio | 45.67% | 46.15% | 46.60% | 46.52% | 46.53% | 47.09% | 47.74% | 49.40% | +288 bps | |
| Non-Interest Burden | 1.38% | 1.63% | 1.74% | 1.76% | 1.72% | 1.72% | 1.75% | 1.82% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.88% | -6.63% | -9.76% | -11.15% | -4.86% | 3.75% | 8.35% | 5.64% | +1,679 bps | |
| Loan Growth (YoY) | 15.09% | -0.20% | -3.24% | -8.66% | -5.62% | 0.89% | 3.87% | 3.07% | +1,174 bps | |
| Deposit Growth (YoY) | -1.53% | -3.61% | -3.18% | -2.76% | 2.17% | 4.77% | 7.52% | 4.41% | +717 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 | 0.06% | 0.20% | 0.80% | 0.64% | 0.76% | 0.23% | 0.29% | 0.86% | +22 bps | |
| Allowance / Loans | 1.68% | 1.92% | 1.97% | 1.90% | 2.22% | 2.20% | 2.31% | 1.90% | 0 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 | 12.40% | 13.95% | 15.02% | 15.78% | 14.91% | 15.17% | 15.56% | 16.01% | +23 bps | |
| Equity / Assets | 7.87% | 8.72% | 9.42% | 9.85% | 9.43% | 9.18% | 9.47% | 10.15% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.93% | 75.27% | 76.74% | 76.80% | 74.76% | 72.49% | 74.13% | 75.81% | -99 bps | |
| Liquid Assets / Assets | 14.26% | 14.70% | 14.81% | 14.98% | 14.31% | 10.95% | 14.66% | 15.85% | +87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |