Thornton, CO · Cert 35273
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.69% | 1.57% | 1.45% | 1.57% | 1.31% | 1.13% | 1.24% | 0.98% | -59 bps | |
| Return on Equity | 28.47% | 28.25% | 24.54% | 23.36% | 18.70% | 16.07% | 16.56% | 12.39% | -1,097 bps | |
| Net Interest Margin | 3.76% | 3.43% | 3.27% | 3.38% | 3.32% | 3.22% | 3.26% | 3.52% | +13 bps | |
| Efficiency Ratio | 54.63% | 60.32% | 62.48% | 58.23% | 65.06% | 63.90% | 63.35% | 61.36% | +313 bps | |
| Non-Interest Burden | 0.98% | 1.28% | 1.30% | 1.13% | 1.45% | 1.39% | 1.37% | 1.43% | +30 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 | 0.26% | 0.18% | 0.22% | 2.68% | -0.01% | 0.17% | 0.62% | 3.24% | +56 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 |