Fort Collins, CO · Cert 58521
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 | 0.60% | 0.23% | 0.64% | -1.20% | 0.24% | 1.29% | 1.02% | 1.05% | +225 bps | |
| Return on Equity | 6.65% | 2.54% | 7.03% | -13.38% | 2.76% | 14.74% | 11.70% | 11.86% | +2,525 bps | |
| Net Interest Margin | 2.74% | 3.06% | 3.23% | 3.28% | 3.74% | 3.72% | 3.89% | 3.83% | +56 bps | |
| Efficiency Ratio | 53.01% | 62.72% | 43.18% | 48.38% | 45.48% | 39.08% | 37.38% | 54.30% | +592 bps | |
| Non-Interest Burden | 1.45% | 1.91% | 1.25% | 1.57% | 1.68% | 1.29% | 1.42% | 2.05% | +48 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% | 4.89% | 0.00% | 1.22% | 0.29% | 1.87% | -302 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 |