Littleton, CO · Cert 27336
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 | 1.73% | 2.00% | 1.92% | 1.87% | 1.80% | 1.80% | 1.60% | 1.55% | -32 bps | |
| Return on Equity | 27.49% | 31.98% | 29.93% | 28.41% | 27.16% | 26.32% | 22.77% | 21.51% | -691 bps | |
| Net Interest Margin | 3.51% | 3.84% | 3.88% | 3.83% | 3.78% | 3.82% | 3.79% | 3.89% | +6 bps | |
| Efficiency Ratio | 40.04% | 41.85% | 43.84% | 44.15% | 45.78% | 43.69% | 44.26% | 45.54% | +138 bps | |
| Non-Interest Burden | 0.74% | 1.09% | 1.16% | 1.16% | 1.23% | 1.19% | 1.20% | 1.37% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.92% | 12.87% | 6.68% | 6.32% | 6.38% | 11.00% | 5.82% | 7.51% | +119 bps | |
| Loan Growth (YoY) | 10.80% | 12.20% | 21.27% | 22.03% | 13.69% | 10.97% | 11.08% | 3.51% | -1,852 bps | |
| Deposit Growth (YoY) | 6.31% | 13.93% | 19.21% | 17.33% | 16.81% | 7.83% | 5.43% | 6.41% | -1,092 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% | 0.09% | 0.30% | 0.24% | 0.42% | 0.08% | 0.25% | 0.28% | +3 bps | |
| Allowance / Loans | 1.03% | 1.05% | 1.05% | 1.17% | 1.30% | 1.32% | 1.72% | 2.04% | +87 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 | 16.85% | 17.36% | 16.86% | 17.24% | 17.40% | 17.54% | 17.76% | 19.02% | +178 bps | |
| Equity / Assets | 6.09% | 6.42% | 6.70% | 7.06% | 6.80% | 6.90% | 7.33% | 7.77% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 29.69% | 27.59% | 28.96% | 30.04% | 28.90% | 28.39% | 30.52% | 29.23% | -82 bps | |
| Liquid Assets / Assets | 37.08% | 37.08% | 34.84% | 33.10% | 30.54% | 28.48% | 29.34% | 31.84% | -127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |