Windsor, CO · Cert 57835
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.57% | -15.55% | 0.34% | -0.30% | 0.20%1 | -4.56% | -10.41% | 0.57%1 | +87 bps | |
| Return on Equity | -20.39% | -238% | 6.97% | -5.88% | 3.62% | -87.35% | -299% | 23.99% | +2,987 bps | |
| Net Interest Margin | 1.96% | 2.30% | 2.83% | 3.01% | 3.06% | 3.01% | 2.84% | 3.44% | +43 bps | |
| Efficiency Ratio | 121.05% | 132.07% | 88.50% | 109.20% | 90.74% | 89.90% | 289% | 95.41% | -1,379 bps | |
| Non-Interest Burden | 2.48% | 2.93% | 2.48% | 3.30% | 2.74% | 2.67% | 5.13% | 3.27% | -3 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 | 0.63% | 1.93% | 6.29% | 5.13% | 1.24% | 5.89% | 4.62% | 3.24% | -188 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 |