Durango, CO · Cert 34873
FDIC
Q1 2012
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 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.88% | 0.91% | 0.80% | 0.63% | 0.51% | 0.51% | 1.20% | +41 bps | |
| Return on Equity | 5.90% | 6.69% | 7.19% | 7.22% | 5.60% | 4.50% | 4.53% | 10.47% | +325 bps | |
| Net Interest Margin | 3.98% | 3.91% | 3.54% | 3.67% | 3.59% | 3.60% | 3.53% | 3.71% | +4 bps | |
| Efficiency Ratio | 58.13% | 58.29% | 59.12% | 59.43% | 67.44% | 66.01% | 69.94% | 55.75% | -368 bps | |
| Non-Interest Burden | 2.18% | 2.13% | 1.93% | 2.02% | 2.48% | 2.43% | 2.52% | 1.85% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.21% | 18.02% | 24.74% | 32.57% | 10.19% | 10.73% | 5.49% | 1.07% | -3,150 bps | |
| Loan Growth (YoY) | -3.01% | -4.82% | -3.75% | -5.33% | -6.79% | -6.28% | -5.61% | -4.52% | +81 bps | |
| Deposit Growth (YoY) | 16.22% | 20.33% | 24.07% | 24.54% | 6.26% | 12.63% | 5.89% | 3.03% | -2,151 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 | 0.02% | 0.24% | 0.24% | 0.77% | 0.65% | 1.02% | 0.86% | -0.36% | -112 bps | |
| Allowance / Loans | 3.21% | 3.23% | 3.18% | 3.18% | 3.13% | 3.22% | 3.09% | 3.22% | +4 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 | 12.83% | 13.13% | 13.03% | 13.18% | 13.27% | 13.37% | 13.63% | 13.50% | +32 bps | |
| Equity / Assets | 12.54% | 12.15% | 11.11% | 10.99% | 11.52% | 11.49% | 11.23% | 11.74% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.59% | 84.00% | 77.94% | 77.77% | 76.83% | 69.89% | 69.47% | 72.07% | -570 bps | |
| Liquid Assets / Assets | 0.13% | 0.02% | 1.77% | 1.61% | 0.45% | 3.92% | 0.83% | 1.17% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |