Colorado Springs, CO · Cert 35275
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.
Colorado Springs, CO · Cert 35275
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 | 1.04% | 1.16% | 1.14% | 1.32% | 1.33% | 1.05% | 1.25% | 1.22% | -10 bps | |
| Return on Equity | 17.60% | 18.52% | 17.71% | 19.60% | 19.17% | 13.48% | 15.71% | 15.22% | -438 bps | |
| Net Interest Margin | 3.46% | 4.01% | 4.13% | 4.22% | 4.28% | 4.41% | 4.43% | 4.47% | +26 bps | |
| Efficiency Ratio | 70.38% | 67.21% | 67.93% | 65.62% | 65.97% | 61.59% | 63.25% | 63.10% | -252 bps | |
| Non-Interest Burden | 1.90% | 2.15% | 2.26% | 2.18% | 2.24% | 2.11% | 2.21% | 2.21% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.63% | 1.64% | 0.72% | 0.40% | 2.17% | 1.93% | -1.72% | 2.91% | +251 bps | |
| Loan Growth (YoY) | 31.89% | 21.05% | 19.02% | 11.92% | 12.40% | 16.16% | 7.54% | 14.20% | +228 bps | |
| Deposit Growth (YoY) | -2.58% | 3.38% | 9.00% | 9.74% | 15.22% | 6.98% | 3.26% | 5.60% | -414 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 | 0.32% | 0.14% | 0.11% | 0.12% | 0.12% | 0.08% | 0.10% | 0.11% | -2 bps | |
| Allowance / Loans | 1.26% | 1.40% | 1.52% | 1.51% | 1.51% | 1.85% | 1.90% | 2.18% | +67 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 | 13.46% | 14.17% | 14.30% | 15.60% | 15.72% | 15.99% | 16.52% | 16.34% | +73 bps | |
| Equity / Assets | 6.07% | 6.46% | 6.77% | 7.67% | 7.64% | 7.93% | 8.25% | 8.17% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.60% | 52.27% | 55.14% | 53.69% | 52.29% | 56.76% | 57.42% | 58.06% | +437 bps | |
| Liquid Assets / Assets | 33.72% | 33.31% | 31.20% | 30.34% | 27.92% | 27.05% | 26.19% | 24.19% | -615 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |