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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | -2.02% | -5.41% | -2.79% | -4.11% | -406 bps | |
| Return on Equity | -0.65% | -26.97% | -83.89% | -121.74% | -219% | -21,787 bps | |
| Net Interest Margin | 3.69% | 3.45% | 3.18% | 2.21% | 2.13% | -156 bps | |
| Efficiency Ratio | 88.53% | 86.23% | 103.53% | 117.29% | 151.18% | +6,265 bps | |
| Non-Interest Burden | 3.20% | 2.90% | 3.32% | 2.70% | 3.43% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.58% | 11.01% | 7.17% | -18.75% | -24.16% | -2,874 bps | |
| Loan Growth (YoY) | -4.93% | -7.68% | -10.25% | -18.12% | -24.96% | -2,003 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.58% | 1.30% | 2.59% | 16.86% | 10.73% | +1,015 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.05% | 9.64% | 4.84% | 4.01% | 2.08% | -897 bps | |
| Equity / Assets | 7.92% | 6.17% | 2.36% | 2.20% | 0.88% | -705 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.57% | 82.88% | 76.78% | 88.99% | 85.57% | -701 bps | |
| Liquid Assets / Assets | 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 |