Evergreen, CO · Cert 34447
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 | 1.11% | 0.94% | 1.09% | 1.15% | 0.93% | 0.92% | 0.85% | 1.00% | -15 bps | |
| Return on Equity | 17.83% | 14.79% | 16.53% | 16.98% | 13.61% | 13.61% | 12.21% | 13.94% | -304 bps | |
| Net Interest Margin | 3.67% | 3.70% | 4.12% | 3.93% | 3.87% | 3.94% | 4.03% | 4.08% | +15 bps | |
| Efficiency Ratio | 52.14% | 64.24% | 59.89% | 57.67% | 56.70% | 55.73% | 62.17% | 56.25% | -142 bps | |
| Non-Interest Burden | 1.46% | 2.15% | 2.14% | 1.96% | 1.82% | 1.86% | 2.30% | 1.91% | -5 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% | 0.03% | 1.76% | 0.45% | 0.07% | 0.20% | 2.25% | +49 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 |