Thornton, CO · Cert 35273
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.
Thornton, CO · Cert 35273
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 | 1.60% | 1.57% | 1.52% | 1.55% | 1.49% | 1.13% | 1.19% | 1.12% | -43 bps | |
| Return on Equity | 26.23% | 28.25% | 26.11% | 25.12% | 23.50% | 16.07% | 16.28% | 14.95% | -1,017 bps | |
| Net Interest Margin | 3.27% | 3.43% | 3.20% | 3.23% | 3.25% | 3.22% | 3.19% | 3.30% | +8 bps | |
| Efficiency Ratio | 60.23% | 60.32% | 61.43% | 60.32% | 61.53% | 63.90% | 63.62% | 62.83% | +252 bps | |
| Non-Interest Burden | 1.04% | 1.28% | 1.23% | 1.18% | 1.25% | 1.39% | 1.36% | 1.38% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.29% | 35.18% | 29.86% | 26.53% | 22.58% | 7.18% | 5.24% | 5.87% | -2,066 bps | |
| Loan Growth (YoY) | 51.15% | 41.50% | 40.24% | 15.17% | 6.28% | -1.89% | -2.04% | 1.36% | -1,381 bps | |
| Deposit Growth (YoY) | 24.70% | 37.31% | 34.01% | 29.46% | 23.90% | 4.43% | 3.08% | 4.08% | -2,538 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 | 0.22% | 0.18% | 0.19% | 1.03% | 0.76% | 0.17% | 0.39% | 1.34% | +32 bps | |
| Allowance / Loans | 1.77% | 1.81% | 1.83% | 1.42% | 1.61% | 2.05% | 2.18% | 2.31% | +89 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 | 14.38% | 14.09% | 14.79% | 14.86% | 14.51% | 15.50% | 16.35% | 17.00% | +213 bps | |
| Equity / Assets | 5.65% | 5.47% | 6.36% | 7.08% | 6.92% | 7.19% | 7.81% | 8.04% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 32.02% | 27.63% | 28.24% | 27.66% | 27.47% | 25.96% | 26.84% | 26.94% | -72 bps | |
| Liquid Assets / Assets | 32.60% | 27.71% | 25.99% | 23.84% | 21.11% | 20.00% | 22.96% | 23.29% | -55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |