Denver, CO · Cert 35400
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
Denver, CO · Cert 35400
FDIC
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.12% | -0.42% | -0.67% | 0.24% | 0.24% | 0.34% | 1.15%1 | 0.53%1 | +29 bps | |
| Return on Equity | 4.09% | -3.73% | -5.96% | 2.23% | 2.25% | 3.21% | 11.28% | 5.26% | +303 bps | |
| Net Interest Margin | 3.86% | 4.53% | 3.60% | 3.79% | 3.92% | 4.78% | 4.34% | 3.14% | -66 bps | |
| Efficiency Ratio | 28.78% | 102.62% | 108.48% | 98.39% | 96.19% | 92.29% | 91.19% | 99.40% | +101 bps | |
| Non-Interest Burden | -1.04% | 4.83% | 4.34% | 3.66% | 3.61% | 4.25% | 3.68% | 3.10% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.84% | 32348% | 32304% | 31455% | 31126% | -2.67% | -7.41% | -12.94% | -3,146,770 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 24.69% | 111050% | 137662% | 127670% | 117099% | -1.37% | -4.29% | -11.27% | -12,768,154 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 77.01% | 39.15% | 41.00% | 37.11% | 33.67% | 34.72% | 15.73% | 16.83% | -2,029 bps | |
| Equity / Assets | 74.53% | 11.12% | 11.01% | 10.06% | 10.43% | 10.74% | 9.43% | 9.83% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 83.03% | 83.95% | 81.35% | 76.89% | 74.98% | 8.82% | 9.43% | -7,192 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |