Pueblo, CO · Cert 57263
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.
Pueblo, CO · Cert 57263
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 | 0.90% | 0.70% | -0.79% | -2.54% | -2.39% | -8.74% | -5.99% | -6.60% | -406 bps | |
| Return on Equity | 10.13% | 7.33% | -8.63% | -29.75% | -30.55% | -181.65% | -134.15% | -164.85% | -13,510 bps | |
| Net Interest Margin | 3.83% | 4.13% | 4.20% | 3.79% | 3.02% | 2.25% | 2.23% | 2.34% | -145 bps | |
| Efficiency Ratio | 73.67% | 78.57% | 77.76% | 81.58% | 90.12% | 160.47% | 228% | 241% | +15,961 bps | |
| Non-Interest Burden | 2.66% | 3.16% | 3.18% | 3.04% | 2.71% | 3.56% | 4.98% | 5.64% | +260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.49% | 2.93% | 3.62% | 9.31% | 29.76% | 14.63% | -8.41% | -25.83% | -3,514 bps | |
| Loan Growth (YoY) | 1.61% | 6.17% | 18.14% | 16.77% | 4.76% | -10.86% | -24.50% | -30.85% | -4,762 bps | |
| Deposit Growth (YoY) | -8.73% | -6.44% | -10.11% | 1.64% | 32.46% | 22.64% | 4.64% | -17.17% | -1,881 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% | 1.03% | 2.01% | 1.35% | 2.26% | 11.46% | 7.80% | 7.36% | +601 bps | |
| Allowance / Loans | 1.06% | 0.91% | 1.14% | 3.31% | 3.39% | 4.98% | 4.51% | 5.66% | +235 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 | 13.37% | 13.13% | 11.92% | 10.13% | 10.05% | 6.93% | 6.52% | 3.91% | -622 bps | |
| Equity / Assets | 9.40% | 9.63% | 8.63% | 6.66% | 5.50% | 4.03% | 3.56% | 2.10% | -456 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.65% | 93.50% | 106.42% | 98.64% | 74.85% | 67.96% | 76.79% | 82.35% | -1,629 bps | |
| Liquid Assets / Assets | 1.41% | 3.48% | 3.39% | 3.15% | 1.78% | 0.13% | 0.08% | 0.28% | -287 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |