Evergreen, CO · Cert 34447
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Evergreen, CO · Cert 34447
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 | 1.15% | 0.94% | 1.02% | 1.06% | 1.03% | 0.92% | 0.89% | 0.93% | -13 bps | |
| Return on Equity | 18.78% | 14.79% | 15.69% | 16.15% | 15.51% | 13.61% | 12.91% | 13.26% | -288 bps | |
| Net Interest Margin | 3.40% | 3.70% | 3.86% | 3.74% | 3.71% | 3.94% | 3.95% | 3.95% | +21 bps | |
| Efficiency Ratio | 57.41% | 64.24% | 61.89% | 60.41% | 59.42% | 55.73% | 58.94% | 57.99% | -243 bps | |
| Non-Interest Burden | 1.54% | 2.15% | 2.12% | 1.99% | 1.91% | 1.86% | 2.06% | 1.99% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.85% | 16.75% | 15.45% | 17.73% | 12.48% | 17.27% | 9.90% | 6.56% | -1,117 bps | |
| Loan Growth (YoY) | 40.48% | 35.25% | 34.59% | 22.60% | 21.39% | 16.92% | 9.35% | 2.56% | -2,004 bps | |
| Deposit Growth (YoY) | 20.39% | 23.15% | 21.66% | 21.88% | 14.76% | 13.36% | 8.89% | 5.61% | -1,626 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 | 0.06% | 0.39% | 0.19% | 0.71% | 0.63% | 0.07% | 0.13% | 0.84% | +13 bps | |
| Allowance / Loans | 1.64% | 1.67% | 1.79% | 1.38% | 1.65% | 1.95% | 2.19% | 2.07% | +68 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 | 12.28% | 12.16% | 12.51% | 12.66% | 13.02% | 13.35% | 13.49% | 13.80% | +113 bps | |
| Equity / Assets | 6.19% | 6.49% | 6.75% | 6.80% | 6.89% | 6.69% | 7.16% | 7.19% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.70% | 46.35% | 49.24% | 49.19% | 50.46% | 47.80% | 49.44% | 47.77% | -142 bps | |
| Liquid Assets / Assets | 21.01% | 20.40% | 19.30% | 17.22% | 16.31% | 15.39% | 19.33% | 18.26% | +104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |