Akron, CO · Cert 2992
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Akron, CO · Cert 2992
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.96% | 0.96% | 1.04% | 1.07% | 1.13% | 1.00% | 1.11% | +7 bps | |
| Return on Equity | 5.72% | 5.49% | 5.49% | 5.91% | 6.04% | 6.03% | 5.41% | 5.98% | +7 bps | |
| Net Interest Margin | 3.55% | 3.49% | 3.49% | 3.68% | 3.84% | 4.05% | 3.86% | 3.96% | +28 bps | |
| Efficiency Ratio | 67.63% | 69.87% | 69.59% | 67.87% | 67.31% | 64.52% | 67.36% | 65.09% | -278 bps | |
| Non-Interest Burden | 2.32% | 2.34% | 2.33% | 2.39% | 2.48% | 2.55% | 2.54% | 2.48% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.36% | 2.62% | 3.42% | 6.08% | 1.88% | -6.07% | 1.59% | 0.10% | -599 bps | |
| Loan Growth (YoY) | 4.50% | -0.82% | 6.97% | 4.70% | 5.54% | 9.43% | 4.28% | 5.01% | +30 bps | |
| Deposit Growth (YoY) | 4.59% | 7.88% | 9.45% | 5.57% | -3.54% | -8.75% | 1.03% | 1.80% | -377 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 | 0.04% | 0.00% | 0.00% | 0.01% | 0.02% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.31% | 1.38% | 1.28% | 1.24% | 1.23% | 1.26% | 1.25% | 1.24% | 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 | 26.59% | 27.07% | 26.10% | 26.02% | 26.47% | 28.82% | 27.89% | 28.09% | +207 bps | |
| Equity / Assets | 17.84% | 17.29% | 17.37% | 17.55% | 18.27% | 19.06% | 17.95% | 18.87% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.15% | 70.20% | 77.17% | 82.93% | 85.50% | 84.17% | 79.65% | 85.54% | +261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |