Loveland, CO · Cert 58642
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.
Loveland, CO · Cert 58642
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 | 0.39% | -1.00% | -3.31% | -2.35% | 0.34% | 0.63% | 0.65% | 0.94% | +330 bps | |
| Return on Equity | 1.91% | -5.01% | -17.50% | -12.95% | 2.17% | 4.03% | 4.13% | 6.02% | +1,897 bps | |
| Net Interest Margin | 2.52% | 2.44% | 2.54% | 2.64% | 3.57% | 3.71% | 3.67% | 3.80% | +116 bps | |
| Efficiency Ratio | 140.10% | 132.31% | 104.91% | 92.28% | 72.48% | 68.95% | 65.17% | 68.34% | -2,393 bps | |
| Non-Interest Burden | 3.53% | 3.23% | 2.68% | 2.40% | 2.57% | 2.45% | 2.24% | 2.48% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 84.03% | 39.52% | 21.72% | 24.97% | 9.68% | 8.50% | 3.90% | 7.16% | -1,781 bps | |
| Loan Growth (YoY) | 55.91% | 45.86% | 27.16% | 23.23% | 20.64% | 1.58% | 5.64% | 13.23% | -1,000 bps | |
| Deposit Growth (YoY) | 162.20% | 78.00% | 43.74% | 41.75% | 15.51% | 16.76% | 7.63% | 10.73% | -3,102 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 | 0.51% | 0.49% | 1.62% | 1.61% | 0.42% | 0.76% | 0.48% | 0.78% | -84 bps | |
| Allowance / Loans | 1.64% | 2.14% | 1.78% | 1.67% | 1.68% | 1.67% | 1.92% | 1.43% | -24 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 | 23.71% | 20.87% | 20.07% | 19.26% | 19.13% | 20.54% | 20.30% | 18.89% | -37 bps | |
| Equity / Assets | 19.08% | 18.88% | 15.96% | 15.60% | 15.28% | 15.98% | 15.92% | 15.45% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.59% | 114.97% | 105.11% | 102.77% | 104.02% | 100.03% | 103.18% | 105.09% | +232 bps | |
| Liquid Assets / Assets | 17.57% | 8.68% | 14.55% | 13.50% | 12.30% | 13.18% | 11.01% | 9.41% | -409 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |