Englewood, CO · Cert 34449
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -1.00% | -0.75% | -0.03% | -0.20% | 0.19% | +118 bps | |
| Return on Equity | n/a | n/a | n/a | -13.91% | -10.22% | -0.41% | -2.28% | 2.44% | +1,634 bps | |
| Net Interest Margin | n/a | n/a | 4.37% | 4.29% | 4.32% | 4.53% | 4.06% | 3.78% | -50 bps | |
| Efficiency Ratio | n/a | n/a | 116.92% | 109.00% | 108.46% | 96.03% | 108.13% | 97.08% | -1,191 bps | |
| Non-Interest Burden | n/a | n/a | 6.61% | 5.54% | 5.40% | 4.03% | 4.93% | 3.47% | -207 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% | 0.06% | 0.22% | 0.14% | 0.00% | 0.19% | +13 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 |