Louisville, CO · Cert 57646
FDIC
Q4 2010
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 | 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% | -2.43% | -1.41% | -4.32% | 0.12% | 0.05%1 | -2.56% | -3.44% | +88 bps | |
| Return on Equity | -21.91% | -34.37% | -20.88% | -72.27% | 4.09% | 1.62% | -96.72% | -164.78% | -9,251 bps | |
| Net Interest Margin | 2.61% | 2.69% | 2.70% | 2.36% | 2.23% | 2.11% | 2.17% | 2.12% | -23 bps | |
| Efficiency Ratio | 58.89% | 61.03% | 59.29% | 84.72% | 94.73% | 101.16% | 99.26% | 108.01% | +2,328 bps | |
| Non-Interest Burden | 1.43% | 1.55% | 1.52% | 1.99% | 2.11% | 2.13% | 2.15% | 2.34% | +35 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% | 1.70% | 1.34% | 1.39% | 1.99% | 3.69% | 3.59% | 5.01% | +362 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 |