Ordway, CO · Cert 3045
FDIC
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.64% | 1.01% | 0.06% | -0.15% | 0.10% | 0.29% | 0.11% | +5 bps | |
| Return on Equity | 7.17% | 6.89% | 10.54% | 0.60% | -1.46% | 1.03% | 2.80% | 1.01% | +42 bps | |
| Net Interest Margin | 3.87% | 3.43% | 3.52% | 3.56% | 2.73% | 2.70% | 3.04% | 2.84% | -72 bps | |
| Efficiency Ratio | 68.28% | 77.14% | 69.90% | 101.09% | 111.76% | 98.63% | 92.23% | 97.77% | -332 bps | |
| Non-Interest Burden | 2.50% | 2.57% | 2.03% | 3.60% | 3.10% | 2.66% | 2.78% | 2.76% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.07% | -3.84% | -5.87% | -5.67% | -3.77% | -5.55% | -4.00% | -3.81% | +186 bps | |
| Loan Growth (YoY) | -2.96% | -16.97% | -21.18% | -19.67% | -18.53% | -14.16% | -14.75% | -13.38% | +629 bps | |
| Deposit Growth (YoY) | 0.91% | -2.30% | -7.92% | -6.39% | -5.18% | -7.07% | -4.51% | -3.18% | +321 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 | 0.24% | 1.49% | 0.04% | -0.15% | -0.01% | 0.04% | 2.05% | 0.70% | +85 bps | |
| Allowance / Loans | 3.73% | 3.62% | 3.75% | 3.94% | 4.19% | 4.24% | 3.93% | 3.84% | -10 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 | 14.09% | 14.02% | 15.59% | 16.02% | 16.07% | 16.58% | 16.98% | 17.07% | +105 bps | |
| Equity / Assets | 9.33% | 9.31% | 9.94% | 10.33% | 10.06% | 10.13% | 10.44% | 10.88% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.23% | 78.86% | 79.59% | 81.10% | 74.10% | 72.85% | 71.06% | 72.56% | -854 bps | |
| Liquid Assets / Assets | 14.04% | 13.68% | 11.60% | 12.67% | 13.97% | 16.20% | 12.74% | 10.31% | -236 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |