Louisville, CO · Cert 57646
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.65% | -3.16% | 0.50% | -12.52% | 0.12% | -0.02% | -8.18% | -6.34% | +618 bps | |
| Return on Equity | -21.91% | -47.76% | 8.27% | -281% | 4.09% | -0.80% | -351% | -1230% | -94,925 bps | |
| Net Interest Margin | 2.61% | 2.90% | 2.93% | 1.80% | 2.23% | 1.94% | 2.00% | 1.77% | -4 bps | |
| Efficiency Ratio | 58.89% | 62.90% | 56.14% | 242% | 94.73% | 108.52% | 96.92% | 145.58% | -9,683 bps | |
| Non-Interest Burden | 1.43% | 1.75% | 1.57% | 3.68% | 2.11% | 2.12% | 1.88% | 2.70% | -99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 52.08% | 27.53% | 20.89% | 10.98% | 7.72% | -3.25% | -11.70% | -12.03% | -2,301 bps | |
| Loan Growth (YoY) | 43.14% | 16.59% | 6.37% | -1.73% | -9.26% | -14.35% | -16.97% | -20.52% | -1,879 bps | |
| Deposit Growth (YoY) | 36.87% | 23.55% | 24.00% | 25.08% | 23.13% | 10.83% | -1.64% | -5.19% | -3,026 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 | 0.07% | 3.34% | 0.59% | 1.45% | 1.99% | 5.24% | 3.09% | 8.49% | +703 bps | |
| Allowance / Loans | 1.74% | 2.18% | 2.25% | 5.24% | 5.00% | 4.07% | 6.20% | 6.43% | +119 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 | 10.51% | 9.53% | 8.37% | 5.02% | 5.13% | 5.35% | 2.90% | -0.40% | -541 bps | |
| Equity / Assets | 7.09% | 6.15% | 5.93% | 2.96% | 2.89% | 3.27% | 1.36% | -0.35% | -331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.16% | 109.54% | 98.40% | 92.75% | 84.13% | 84.66% | 83.07% | 77.75% | -1,500 bps | |
| Liquid Assets / Assets | 1.82% | 1.79% | 1.13% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |