Arvada, CO · Cert 2994
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Arvada, CO · Cert 2994
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.46% | -4.19% | -1.37% | -1.91% | -2.94% | -4.79% | -3.00% | -2.82% | -91 bps | |
| Return on Equity | -23.74% | -42.74% | -19.69% | -28.56% | -46.72% | -86.31% | -135.91% | -133.41% | -10,485 bps | |
| Net Interest Margin | 2.87% | 2.97% | 2.21% | 2.23% | 2.28% | 2.36% | 2.01% | 2.38% | +15 bps | |
| Efficiency Ratio | 91.60% | 93.51% | 105.26% | 121.07% | 133.46% | 141.49% | 125.76% | 135.95% | +1,488 bps | |
| Non-Interest Burden | 2.70% | 5.23% | 2.42% | 2.74% | 3.03% | 3.25% | 2.68% | 3.39% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.58% | 3.82% | 6.50% | 0.36% | 4.77% | -5.72% | -19.03% | -25.34% | -2,570 bps | |
| Loan Growth (YoY) | -2.72% | -7.41% | -14.08% | -14.15% | -16.29% | -18.79% | -19.64% | -24.77% | -1,061 bps | |
| Deposit Growth (YoY) | 1.95% | 9.40% | 18.60% | 12.15% | 20.65% | 6.57% | -14.41% | -22.93% | -3,508 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 | 1.58% | 2.23% | 5.82% | 3.25% | 3.32% | 5.46% | 1.59% | 4.23% | +98 bps | |
| Allowance / Loans | 2.91% | 3.03% | 2.45% | 3.14% | 4.28% | 5.00% | 5.97% | 5.52% | +238 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 | 10.39% | 10.77% | 10.83% | 10.37% | 8.88% | 5.16% | 4.77% | 4.12% | -624 bps | |
| Equity / Assets | 10.08% | 7.45% | 6.52% | 6.12% | 5.06% | 2.33% | 2.06% | 1.90% | -423 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.50% | 91.26% | 74.21% | 72.99% | 71.11% | 69.55% | 69.68% | 71.25% | -174 bps | |
| Liquid Assets / Assets | 8.47% | 13.49% | 18.74% | 22.07% | 18.46% | 19.99% | 17.37% | 13.76% | -831 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |