Greeley, CO · Cert 34881
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Greeley, CO · Cert 34881
FDIC
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.02% | -0.08% | -0.56% | -20.73% | -2,106 bps | |
| Return on Equity | 4.00% | 0.29% | -0.98% | -6.95% | -360% | -36,397 bps | |
| Net Interest Margin | 2.71% | 2.50% | 2.46% | 2.41% | 2.01% | -71 bps | |
| Efficiency Ratio | 51.54% | 67.19% | 67.89% | 66.60% | 107.89% | +5,635 bps | |
| Non-Interest Burden | 1.33% | 1.73% | 1.69% | 1.61% | 2.18% | +85 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 39.32% | 22.29% | 15.13% | 1.81% | -12.26% | -5,158 bps | |
| Loan Growth (YoY) | 40.12% | 21.60% | 11.58% | -0.94% | -6.07% | -4,620 bps | |
| Deposit Growth (YoY) | 37.52% | 20.08% | 18.92% | 4.75% | -7.24% | -4,476 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.19% | 1.23% | 1.42% | 1.54% | 13.30% | +1,212 bps | |
| Allowance / Loans | 1.81% | 1.74% | 1.74% | 2.67% | 6.07% | +427 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 | 10.47% | 10.60% | 10.78% | 10.39% | 5.12% | -534 bps | |
| Equity / Assets | 8.24% | 8.10% | 8.15% | 7.83% | 3.41% | -483 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.23% | 99.16% | 97.06% | 94.82% | 102.50% | +127 bps | |
| Liquid Assets / Assets | 0.50% | 0.49% | 0.50% | 0.50% | 2.37% | +187 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |