Boulder, CO · Cert 34558
FDIC
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.49% | -9.21% | -0.90% | -10.36% | -8.07% | +43 bps | |
| Return on Equity | n/a | n/a | -1.51% | -18.60% | -15.09% | n/a | |
| Net Interest Margin | n/a | 0.69% | 0.33% | 0.97% | 0.31% | n/a | |
| Efficiency Ratio | n/a | 2300% | 400% | 1900% | 4400% | n/a | |
| Non-Interest Burden | n/a | 15.79% | 1.30% | 18.36% | 13.81% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 20.44% | 34.71% | 22.95% | 0.34% | 13.49% | -695 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | 66.81% | 68.69% | 63.34% | 70.83% | n/a | |
| Equity / Assets | n/a | 58.03% | 60.60% | 51.32% | 55.83% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 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 |