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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.54% | -2.39% | -8.74% | -5.99% | -6.60% | -406 bps | |
| Return on Equity | -29.75% | -30.55% | -181.65% | -134.15% | -164.85% | -13,510 bps | |
| Net Interest Margin | 3.79% | 3.02% | 2.25% | 2.23% | 2.34% | -145 bps | |
| Efficiency Ratio | 81.58% | 90.12% | 160.47% | 228% | 241% | +15,961 bps | |
| Non-Interest Burden | 3.04% | 2.71% | 3.56% | 4.98% | 5.64% | +260 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.31% | 29.76% | 14.63% | -8.41% | -25.83% | -3,514 bps | |
| Loan Growth (YoY) | 16.77% | 4.76% | -10.86% | -24.50% | -30.85% | -4,762 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 1.35% | 2.26% | 11.46% | 7.80% | 7.36% | +601 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.13% | 10.05% | 6.93% | 6.52% | 3.91% | -622 bps | |
| Equity / Assets | 6.66% | 5.50% | 4.03% | 3.56% | 2.10% | -456 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.64% | 74.85% | 67.96% | 76.79% | 82.35% | -1,629 bps | |
| Liquid Assets / Assets | 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 |