Loveland, CO · Cert 58642
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 | 0.39% | -2.27% | -7.64% | 0.28% | 0.34% | 0.92% | 0.69% | 1.81% | +153 bps | |
| Return on Equity | 1.91% | -11.98% | -43.97% | 1.80% | 2.17% | 5.88% | 4.31% | 11.57% | +977 bps | |
| Net Interest Margin | 2.52% | 2.66% | 2.97% | 3.19% | 3.57% | 3.84% | 3.68% | 4.14% | +94 bps | |
| Efficiency Ratio | 140.10% | 125.81% | 73.75% | 64.43% | 72.48% | 66.08% | 58.00% | 77.32% | +1,289 bps | |
| Non-Interest Burden | 3.53% | 3.35% | 1.90% | 1.82% | 2.57% | 2.32% | 1.91% | 3.15% | +133 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% | 0.53% | 3.88% | 1.66% | 0.42% | 1.08% | 0.00% | 1.77% | +11 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 |