Edwards, CO · Cert 57175
FDIC
Q2 2012
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.10% | -2.66% | -0.61% | -0.72% | -0.58% | -0.67% | -0.51% | -0.45% | +27 bps | |
| Return on Equity | -38.38% | -33.67% | -8.65% | -10.15% | -8.09% | -9.23% | -7.30% | -6.45% | +370 bps | |
| Net Interest Margin | 3.41% | 3.62% | 3.69% | 3.84% | 3.92% | 3.96% | 3.75% | 3.75% | -9 bps | |
| Efficiency Ratio | 98.53% | 97.96% | 87.52% | 90.86% | 91.89% | 94.41% | 92.29% | 92.32% | +146 bps | |
| Non-Interest Burden | 3.36% | 3.55% | 3.20% | 3.47% | 3.59% | 3.73% | 3.42% | 3.44% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.65% | -15.21% | -11.79% | -12.13% | -10.69% | -6.05% | -5.09% | -2.97% | +916 bps | |
| Loan Growth (YoY) | -14.02% | -15.26% | -12.36% | -8.38% | -13.15% | -10.04% | -8.57% | -7.05% | +134 bps | |
| Deposit Growth (YoY) | -13.19% | -9.71% | -7.15% | -10.03% | -8.62% | -4.47% | -3.44% | -1.85% | +818 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 | 4.89% | 4.06% | 3.00% | 3.65% | 2.73% | 2.86% | 2.11% | 1.81% | -184 bps | |
| Allowance / Loans | 3.15% | 3.37% | 3.14% | 2.74% | 3.09% | 2.77% | 2.61% | 2.61% | -13 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 | 10.33% | 10.47% | 10.44% | 10.47% | 10.67% | 10.53% | 10.25% | 10.44% | -3 bps | |
| Equity / Assets | 7.18% | 7.09% | 7.06% | 7.23% | 7.54% | 7.13% | 6.91% | 7.10% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.48% | 79.78% | 77.72% | 79.90% | 76.49% | 75.13% | 73.60% | 75.67% | -423 bps | |
| Liquid Assets / Assets | 0.17% | 0.03% | 0.02% | 0.02% | 0.01% | 0.03% | 0.06% | 0.03% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |