Englewood, CO · Cert 34449
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Englewood, CO · Cert 34449
FDIC
Q2 2002
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.17% | -1.54% | -1.56% | -1.26% | -1.07% | -0.76% | -0.20% | 0.01% | +127 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -2.28% | 0.08% | n/a | |
| Net Interest Margin | n/a | n/a | 4.37% | 4.13% | 3.91% | 3.75% | 4.06% | 3.69% | -44 bps | |
| Efficiency Ratio | n/a | n/a | 116.92% | 112.66% | 111.17% | 106.93% | 108.13% | 102.24% | -1,043 bps | |
| Non-Interest Burden | n/a | n/a | 6.61% | 5.77% | 5.25% | 4.53% | 4.93% | 3.92% | -185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.86% | 17.68% | 27.67% | 29.37% | 41.10% | 51.04% | 52.91% | 59.31% | +2,994 bps | |
| Loan Growth (YoY) | 21.33% | 20.75% | 37.81% | 43.37% | 54.86% | 58.02% | 54.20% | 57.85% | +1,448 bps | |
| Deposit Growth (YoY) | 30.99% | 35.92% | 29.70% | 13.02% | 18.51% | 9.82% | 28.67% | 72.10% | +5,908 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 | n/a | n/a | 0.24% | 0.14% | 0.15% | 0.14% | 0.00% | 0.10% | -4 bps | |
| Allowance / Loans | n/a | n/a | 0.36% | 0.40% | 0.32% | 0.42% | 0.20% | 0.14% | -25 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 | n/a | n/a | 10.66% | 10.83% | 10.56% | 13.20% | 11.58% | 10.40% | -43 bps | |
| Equity / Assets | n/a | n/a | 7.05% | 7.26% | 7.33% | 9.09% | 8.23% | 7.22% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.15% | 90.43% | 98.90% | 112.09% | 116.50% | 130.12% | 118.53% | 102.80% | -928 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |