Denver, CO · Charter 65790
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.52% | -1.52% | 0.21% | -0.51% | -0.64% | -2.53% | -0.72% | -92 bps | |
| Return on Equity | 2.51% | 2.50% | -7.66% | 1.04% | -2.67% | -3.44% | -14.25% | -3.98% | -502 bps | |
| Net Interest Margin | 3.46% | 3.47% | 3.48% | 3.36% | 3.33% | 3.20% | 2.96% | 2.99% | -38 bps | |
| Efficiency Ratio | 86.56% | 86.56% | 82.64% | 86.90% | 93.00% | 91.76% | 106.92% | 102.24% | +1,534 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.57% | 5.53% | 6.63% | 6.74% | 6.29% | 8.93% | 6.49% | 3.32% | -342 bps | |
| Loan Growth (YoY) | -1.12% | 4.78% | 6.70% | 7.79% | 12.03% | 8.34% | 7.56% | 4.92% | -286 bps | |
| Share Growth (YoY) | 1.14% | 6.26% | 8.51% | 8.03% | 9.66% | 12.37% | 8.90% | 5.59% | -244 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.29% | 0.28% | 0.28% | 0.22% | 0.31% | 0.74% | 0.92% | +64 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 | 0.71% | 0.69% | 0.55% | 0.55% | 0.61% | 0.90% | 1.09% | 0.90% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.76% | 20.86% | 19.86% | 19.94% | 19.26% | 18.51% | 17.75% | 18.02% | -192 bps | |
| Net Worth / Assets | 20.76% | 20.86% | 19.86% | 19.94% | 19.26% | 18.51% | 17.75% | 18.02% | -192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.92% | 65.71% | 64.67% | 63.44% | 66.33% | 63.35% | 63.87% | 63.04% | -40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |