Parker, CO · Cert 34628
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Parker, CO · Cert 34628
FDIC
Q3 2010
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.26% | 1.24% | 1.32% | 1.36% | 1.15% | 1.34% | 1.21% | -11 bps | |
| Return on Equity | 18.59% | 19.86% | 19.20% | 20.11% | 20.57% | 17.15% | 19.44% | 17.14% | -297 bps | |
| Net Interest Margin | 3.35% | 3.89% | 3.83% | 3.75% | 3.78% | 3.90% | 3.95% | 3.96% | +22 bps | |
| Efficiency Ratio | 61.39% | 59.88% | 61.24% | 59.47% | 58.93% | 55.44% | 55.50% | 55.13% | -434 bps | |
| Non-Interest Burden | 1.54% | 1.81% | 1.88% | 1.73% | 1.72% | 1.66% | 1.67% | 1.65% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.29% | 15.76% | 11.59% | 13.27% | 13.61% | 9.79% | 6.05% | 0.95% | -1,232 bps | |
| Loan Growth (YoY) | 33.76% | 26.11% | 16.41% | 8.21% | 9.16% | 4.84% | 4.18% | 1.91% | -630 bps | |
| Deposit Growth (YoY) | 17.43% | 15.96% | 19.23% | 17.08% | 16.70% | 9.00% | 4.99% | -0.12% | -1,720 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 | 0.68% | 0.10% | 0.09% | 0.43% | 0.34% | 0.21% | 0.18% | 0.71% | +28 bps | |
| Allowance / Loans | 1.19% | 1.38% | 1.56% | 1.34% | 1.48% | 1.80% | 1.84% | 2.32% | +98 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 | 13.70% | 14.03% | 14.68% | 15.43% | 15.44% | 15.71% | 16.33% | 16.69% | +127 bps | |
| Equity / Assets | 6.27% | 6.39% | 6.66% | 6.89% | 6.69% | 6.76% | 7.23% | 7.47% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.12% | 35.71% | 36.10% | 35.22% | 34.73% | 34.35% | 35.83% | 35.94% | +72 bps | |
| Liquid Assets / Assets | 35.43% | 33.87% | 33.53% | 30.82% | 28.99% | 27.84% | 27.88% | 26.96% | -386 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |