Fort Collins, CO · Cert 33799
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 | 1.03% | 1.28% | 1.19% | 1.22% | 1.20% | 1.48% | 1.53% | 1.47% | +25 bps | |
| Return on Equity | 16.93% | 19.62% | 18.48% | 19.09% | 18.86% | 23.59% | 23.54% | 22.47% | +339 bps | |
| Net Interest Margin | 3.34% | 4.12% | 3.94% | 3.81% | 3.53% | 3.99% | 4.10% | 4.15% | +33 bps | |
| Efficiency Ratio | 68.04% | 65.68% | 65.74% | 63.94% | 63.39% | 57.48% | 55.85% | 55.92% | -802 bps | |
| Non-Interest Burden | 1.75% | 2.15% | 2.08% | 1.92% | 1.76% | 1.76% | 1.73% | 1.80% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.61% | 15.36% | 11.04% | 15.90% | 35.58% | 30.83% | 20.03% | 18.98% | +308 bps | |
| Loan Growth (YoY) | 18.09% | 20.08% | 23.01% | 24.30% | 24.00% | 23.50% | 20.75% | 22.13% | -217 bps | |
| Deposit Growth (YoY) | 7.86% | 17.40% | 28.64% | 34.34% | 40.83% | 30.67% | 18.40% | 12.41% | -2,193 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 | 0.07% | 0.24% | 0.12% | 0.20% | 0.19% | 0.04% | 0.04% | 0.07% | -12 bps | |
| Allowance / Loans | 1.37% | 1.34% | 1.39% | 1.36% | 1.43% | 1.41% | 1.43% | 1.45% | +9 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 | 11.48% | 11.46% | 11.15% | 11.26% | 11.19% | 11.62% | 11.96% | 11.82% | +56 bps | |
| Equity / Assets | 6.49% | 6.53% | 6.32% | 6.34% | 6.12% | 6.43% | 6.87% | 6.77% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.91% | 77.19% | 75.56% | 74.64% | 72.12% | 72.96% | 77.06% | 81.09% | +645 bps | |
| Liquid Assets / Assets | 10.54% | 9.92% | 8.87% | 8.16% | 7.39% | 7.20% | 7.09% | 6.68% | -148 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |