Greeley, CO · Charter 64207
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 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.
Greeley, CO · Charter 64207
Q1 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.19% | 0.62% | -1.36% | 0.97% | 0.25% | -0.86% | -32.75% | -3,138 bps | |
| Return on Equity | 10.00% | 10.39% | 5.64% | -13.98% | 9.39% | 2.50% | -9.67% | -2367% | -235,303 bps | |
| Net Interest Margin | 3.63% | 3.72% | 3.77% | 3.86% | 3.98% | 4.18% | 4.11% | 4.45% | +60 bps | |
| Efficiency Ratio | 80.52% | 78.94% | 83.15% | 73.20% | 72.85% | 67.04% | 74.81% | 76.29% | +309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.61% | 9.49% | 14.03% | 16.17% | 16.83% | 16.98% | 11.99% | -3.85% | -2,003 bps | |
| Loan Growth (YoY) | 9.93% | 12.75% | 20.14% | 26.04% | 29.38% | 32.00% | 26.97% | 13.95% | -1,209 bps | |
| Share Growth (YoY) | 11.20% | 9.99% | 14.53% | 15.75% | 18.26% | 18.77% | 15.24% | 6.80% | -896 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 1.22% | 2.22% | 2.52% | 4.44% | 2.44% | 6.12% | 7.25% | +473 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.95% | 1.72% | 1.96% | 1.79% | 1.82% | 2.38% | 2.83% | 11.98% | +1,019 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.17% | 11.50% | 10.93% | 9.75% | 10.36% | 10.04% | 8.90% | 1.38% | -837 bps | |
| Net Worth / Assets | 11.17% | 11.50% | 10.93% | 9.75% | 10.36% | 10.04% | 8.90% | 1.38% | -837 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.65% | 84.63% | 85.13% | 86.60% | 89.34% | 94.06% | 93.79% | 92.40% | +580 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |