Colorado Springs, CO · Cert 34107
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 1.38% | 1.66% | 1.37% | 1.18% | 1.78% | 1.00% | 1.37% | 0 bps | |
| Return on Equity | 14.04% | 20.20% | 23.39% | 18.51% | 15.89% | 24.12% | 13.55% | 18.64% | +13 bps | |
| Net Interest Margin | 4.06% | 4.29% | 4.43% | 4.24% | 4.12% | 4.22% | 4.28% | 4.22% | -2 bps | |
| Efficiency Ratio | 56.31% | 58.57% | 57.21% | 55.69% | 60.80% | 56.91% | 56.21% | 58.50% | +281 bps | |
| Non-Interest Burden | 1.74% | 2.02% | 2.03% | 1.81% | 2.02% | 1.97% | 1.82% | 1.90% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.15% | 2.87% | 2.13% | 1.59% | 8.89% | 2.37% | 2.03% | 0.69% | -89 bps | |
| Loan Growth (YoY) | 14.12% | 8.39% | 3.34% | 1.92% | 6.05% | 5.49% | 4.23% | 1.83% | -9 bps | |
| Deposit Growth (YoY) | 4.35% | 10.14% | 11.04% | 15.11% | 12.37% | 2.05% | 1.89% | 0.56% | -1,455 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 | 0.10% | 0.06% | 0.30% | 0.36% | 0.91% | 0.29% | 0.41% | 1.97% | +161 bps | |
| Allowance / Loans | 1.77% | 1.96% | 1.90% | 2.02% | 2.10% | 1.88% | 2.36% | 2.07% | +5 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 | 13.31% | 13.69% | 14.53% | 14.67% | 14.59% | 14.49% | 14.10% | 14.48% | -19 bps | |
| Equity / Assets | 6.74% | 6.92% | 7.30% | 7.50% | 7.32% | 7.48% | 7.23% | 7.44% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.74% | 52.65% | 52.64% | 53.76% | 52.60% | 54.42% | 53.85% | 54.44% | +68 bps | |
| Liquid Assets / Assets | 19.42% | 18.68% | 17.75% | 17.21% | 16.17% | 16.50% | 16.04% | 18.31% | +110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |