Wheat Ridge, CO · Cert 34180
FDIC
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.85% | 0.77% | 0.82% | 0.90% | 0.96% | 0.60% | 0.01%1 | -81 bps | |
| Return on Equity | 8.69% | 8.71% | 8.08% | 8.62% | 9.48% | 10.40% | 6.71% | 0.08% | -854 bps | |
| Net Interest Margin | 3.57% | 3.92% | 3.76% | 3.80% | 3.78% | 4.30% | 4.18% | 4.08% | +28 bps | |
| Efficiency Ratio | 70.35% | 75.26% | 74.44% | 70.19% | 68.32% | 65.91% | 77.94% | 84.93% | +1,474 bps | |
| Non-Interest Burden | 2.36% | 2.87% | 2.72% | 2.56% | 2.48% | 2.76% | 3.21% | 3.43% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.16% | 8.40% | 9.14% | 19.06% | 18.05% | 10.38% | 16.85% | 23.12% | +406 bps | |
| Loan Growth (YoY) | 15.30% | 27.89% | 23.67% | 24.41% | 12.55% | 14.94% | 13.86% | 4.69% | -1,972 bps | |
| Deposit Growth (YoY) | 3.58% | 8.48% | 9.65% | 22.67% | 28.97% | 13.16% | 19.94% | 27.34% | +468 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% | 0.19% | 0.24% | 0.18% | 0.13% | 0.05% | 0.00% | 0.10% | -8 bps | |
| Allowance / Loans | 1.34% | 1.28% | 1.19% | 1.17% | 1.18% | 1.13% | 1.17% | 1.25% | +7 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 | 11.61% | 11.42% | 10.68% | 10.93% | 11.82% | 11.34% | 11.14% | 10.64% | -29 bps | |
| Equity / Assets | 9.88% | 9.63% | 9.27% | 9.38% | 9.25% | 9.27% | 8.53% | 7.59% | -178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.54% | 91.71% | 88.38% | 91.15% | 85.13% | 93.15% | 83.91% | 74.94% | -1,622 bps | |
| Liquid Assets / Assets | 0.03% | 0.00% | 0.00% | 3.68% | 2.13% | 0.00% | 0.00% | 0.00% | -368 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |