Denver, CO · Cert 35400
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 0.23% | 0.34% | 1.99%1 | -0.83% | -229 bps | |
| Return on Equity | 13.86% | 2.24% | 3.21% | 19.67% | -8.64% | -2,250 bps | |
| Net Interest Margin | 4.23% | 4.24% | 4.78% | 3.64% | 0.19% | -404 bps | |
| Efficiency Ratio | 78.02% | 88.39% | 92.29% | 90.16% | 128.41% | +5,039 bps | |
| Non-Interest Burden | 2.37% | 3.39% | 4.25% | 2.88% | 1.48% | -89 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 37.11% | 33.67% | 34.72% | 15.73% | 16.83% | -2,029 bps | |
| Equity / Assets | 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 bps | |
| Liquid Assets / Assets | 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 |