Castle Rock, CO · Cert 34522
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Castle Rock, CO · Cert 34522
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | -1.81% | 0.30% | -0.05% | -2.02% | -5.41% | -2.79% | -4.11% | -406 bps | |
| Return on Equity | 3.62% | -19.24% | 3.72% | -0.65% | -26.97% | -83.89% | -121.74% | -219% | -21,787 bps | |
| Net Interest Margin | 4.22% | 4.12% | 3.78% | 3.69% | 3.45% | 3.18% | 2.21% | 2.13% | -156 bps | |
| Efficiency Ratio | 72.78% | 69.53% | 90.78% | 88.53% | 86.23% | 103.53% | 117.29% | 151.18% | +6,265 bps | |
| Non-Interest Burden | 2.88% | 2.92% | 3.38% | 3.20% | 2.90% | 3.32% | 2.70% | 3.43% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.47% | 2.78% | 5.56% | 4.58% | 11.01% | 7.17% | -18.75% | -24.16% | -2,874 bps | |
| Loan Growth (YoY) | 1.74% | -3.10% | -3.91% | -4.93% | -7.68% | -10.25% | -18.12% | -24.96% | -2,003 bps | |
| Deposit Growth (YoY) | 8.73% | 17.39% | 22.59% | 20.85% | 28.36% | 12.44% | -14.65% | -18.82% | -3,967 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 | 0.64% | 1.56% | 0.76% | 0.58% | 1.30% | 2.59% | 16.86% | 10.73% | +1,015 bps | |
| Allowance / Loans | 1.18% | 2.55% | 2.44% | 2.64% | 4.34% | 7.48% | 4.79% | 5.73% | +309 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 | 11.53% | 10.73% | 11.04% | 11.05% | 9.64% | 4.84% | 4.01% | 2.08% | -897 bps | |
| Equity / Assets | 9.87% | 8.04% | 7.96% | 7.92% | 6.17% | 2.36% | 2.20% | 0.88% | -705 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.24% | 96.19% | 92.77% | 92.57% | 82.88% | 76.78% | 88.99% | 85.57% | -701 bps | |
| Liquid Assets / Assets | 2.59% | 8.12% | 12.31% | 11.44% | 19.03% | 25.66% | 11.35% | 14.19% | +275 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |