Fort Collins, CO · Cert 58521
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Fort Collins, CO · Cert 58521
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 | 0.60% | 0.41% | 0.49% | 0.06% | 0.24% | 0.77% | 0.86% | 0.91% | +85 bps | |
| Return on Equity | 6.65% | 4.58% | 5.41% | 0.70% | 2.76% | 8.80% | 9.79% | 10.33% | +963 bps | |
| Net Interest Margin | 2.74% | 2.89% | 2.95% | 3.05% | 3.74% | 3.65% | 3.70% | 3.63% | +58 bps | |
| Efficiency Ratio | 53.01% | 58.16% | 52.45% | 51.38% | 45.48% | 42.12% | 40.49% | 44.10% | -728 bps | |
| Non-Interest Burden | 1.45% | 1.67% | 1.50% | 1.53% | 1.68% | 1.45% | 1.43% | 1.54% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.45% | 19.54% | 13.21% | 1.20% | 4.99% | 5.28% | 8.77% | 8.20% | +700 bps | |
| Loan Growth (YoY) | 38.89% | 16.42% | 9.00% | 0.76% | 2.94% | 3.62% | 6.22% | 9.60% | +884 bps | |
| Deposit Growth (YoY) | 57.65% | 35.88% | 25.28% | 15.74% | 18.63% | 17.92% | 22.39% | 22.33% | +659 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 | 0.00% | 0.00% | 0.00% | 1.22% | 0.00% | 0.61% | 0.50% | 0.83% | -39 bps | |
| Allowance / Loans | 1.54% | 1.75% | 2.04% | 1.85% | 2.25% | 2.03% | 2.16% | 1.66% | -19 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 | 12.29% | 12.34% | 12.73% | 12.22% | 12.06% | 12.24% | 12.33% | 12.05% | -17 bps | |
| Equity / Assets | 9.12% | 9.00% | 9.10% | 8.83% | 8.66% | 8.79% | 8.71% | 9.05% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 124.27% | 117.83% | 116.12% | 113.49% | 107.83% | 103.54% | 100.78% | 101.68% | -1,181 bps | |
| Liquid Assets / Assets | 6.67% | 8.88% | 10.75% | 9.46% | 9.54% | 9.93% | 11.37% | 7.92% | -154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |