Windsor, CO · Cert 57835
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Windsor, CO · Cert 57835
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | -4.40% | 0.34% | 0.03% | 0.08%1 | -1.01% | -10.41% | -5.11% | -514 bps | |
| Return on Equity | -8.02% | -55.39% | 6.97% | 0.50% | 1.56% | -19.84% | -299% | -161.50% | -16,200 bps | |
| Net Interest Margin | 2.02% | 2.28% | 2.83% | 2.89% | 3.05% | 3.13% | 2.84% | 3.30% | +41 bps | |
| Efficiency Ratio | 99.46% | 105.99% | 88.50% | 99.19% | 96.29% | 94.71% | 289% | 149.30% | +5,011 bps | |
| Non-Interest Burden | 2.01% | 2.43% | 2.48% | 2.87% | 2.93% | 2.95% | 5.13% | 4.50% | +163 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.06% | 0.42% | 5.21% | -22.98% | -22.35% | -7.55% | -19.39% | -18.41% | +457 bps | |
| Loan Growth (YoY) | -2.14% | -5.89% | -13.41% | -19.21% | -19.26% | -20.23% | -13.43% | -13.36% | +585 bps | |
| Deposit Growth (YoY) | 32.90% | 10.30% | 13.48% | -21.14% | -20.71% | -7.15% | -17.30% | -16.12% | +502 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 | 0.49% | 0.86% | 6.29% | 5.87% | 4.48% | 4.97% | 4.62% | 4.05% | -182 bps | |
| Allowance / Loans | 1.47% | 5.82% | 4.85% | 3.83% | 3.84% | 4.19% | 5.80% | 5.30% | +147 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 | 11.07% | 7.09% | 7.25% | 7.47% | 8.05% | 6.87% | 3.86% | 4.16% | -331 bps | |
| Equity / Assets | 7.90% | 4.97% | 4.85% | 5.25% | 5.88% | 4.58% | 2.28% | 2.48% | -277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.26% | 89.23% | 76.63% | 78.96% | 82.75% | 76.66% | 80.21% | 81.55% | +260 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.00% | 3.99% | 3.53% | 8.26% | 3.01% | 4.81% | +82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |