Pueblo, CO · Cert 57263
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.70% | -2.27% | -5.87% | -2.08% | -8.74% | -2.71% | -8.28% | -241 bps | |
| Return on Equity | 9.84% | 7.33% | -24.83% | -77.13% | -34.39% | -181.65% | -71.06% | -287% | -21,015 bps | |
| Net Interest Margin | 4.10% | 4.13% | 4.21% | 3.68% | 2.40% | 2.25% | 1.88% | 1.71% | -197 bps | |
| Efficiency Ratio | 74.52% | 78.57% | 76.92% | 89.85% | 126.27% | 160.47% | 320% | 279% | +18,898 bps | |
| Non-Interest Burden | 2.93% | 3.16% | 3.17% | 3.29% | 3.05% | 3.56% | 5.87% | 5.06% | +177 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 | 0.34% | 1.03% | 3.09% | 0.03% | 4.64% | 11.46% | 3.31% | 5.13% | +509 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 |