Colorado Springs, CO · Cert 35275
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 | 1.25% | 1.16% | 1.12% | 1.67% | 1.36% | 1.05% | 1.44% | 1.17% | -51 bps | |
| Return on Equity | 20.46% | 18.52% | 16.95% | 23.19% | 17.79% | 13.48% | 17.84% | 14.22% | -897 bps | |
| Net Interest Margin | 3.79% | 4.01% | 4.29% | 4.30% | 4.33% | 4.41% | 4.45% | 4.52% | +22 bps | |
| Efficiency Ratio | 64.82% | 67.21% | 68.60% | 61.05% | 66.99% | 61.59% | 64.89% | 62.80% | +174 bps | |
| Non-Interest Burden | 1.84% | 2.15% | 2.39% | 1.98% | 2.32% | 2.11% | 2.32% | 2.18% | +20 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 | 0.36% | 0.14% | 0.08% | 0.14% | 0.14% | 0.08% | 0.11% | 0.13% | -1 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 |