Greeley, CO · Cert 57508
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.11% | 0.70% | 1.08% | 0.94% | 1.05% | 0.92% | 3.90%1 | +282 bps | |
| Return on Equity | 11.41% | 12.25% | 7.57% | 11.91% | 10.25% | 11.39% | 10.28% | 44.03% | +3,212 bps | |
| Net Interest Margin | 4.08% | 4.08% | 3.63% | 3.94% | 4.00% | 3.90% | 3.84% | 3.17% | -76 bps | |
| Efficiency Ratio | 64.09% | 70.23% | 95.71% | 73.55% | 70.87% | 76.77% | 75.59% | 80.15% | +660 bps | |
| Non-Interest Burden | 2.58% | 2.82% | 3.49% | 2.89% | 2.77% | 2.94% | 2.87% | 2.50% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.03% | 9.58% | 8.00% | 9.35% | 0.81% | 8.72% | 9.20% | 7.31% | -204 bps | |
| Loan Growth (YoY) | 0.67% | 2.84% | 4.65% | 1.50% | 0.14% | 0.89% | 3.18% | 6.38% | +489 bps | |
| Deposit Growth (YoY) | 10.94% | 10.28% | 7.88% | 11.15% | 2.35% | 10.23% | 11.05% | 7.72% | -343 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 | 0.96% | 0.00% | -0.03% | -0.03% | -0.03% | 1.92% | 0.04% | 0.17% | +20 bps | |
| Allowance / Loans | 1.47% | 1.58% | 1.40% | 1.51% | 1.77% | 1.35% | 1.31% | 1.27% | -25 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 | 14.09% | 14.82% | 14.69% | 15.11% | 15.42% | 15.26% | 15.24% | 15.96% | +85 bps | |
| Equity / Assets | 8.72% | 9.41% | 9.03% | 9.10% | 9.31% | 9.10% | 8.80% | 8.91% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.18% | 58.37% | 56.79% | 54.72% | 55.95% | 53.43% | 52.77% | 54.04% | -68 bps | |
| Liquid Assets / Assets | 0.09% | 0.14% | 0.36% | 0.36% | 0.30% | 0.32% | 0.40% | 0.45% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |