Leadville, CO · Charter 65971
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.
Leadville, CO · Charter 65971
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 | -0.54% | -0.53% | -0.93% | -2.20% | 0.46% | 0.94% | 0.95% | 1.20% | +341 bps | |
| Return on Equity | -3.74% | -3.65% | -6.79% | -16.72% | 3.26% | 6.50% | 6.40% | 8.02% | +2,473 bps | |
| Net Interest Margin | 6.44% | 6.31% | 5.77% | 7.32% | 6.65% | 6.57% | 6.49% | 6.15% | -117 bps | |
| Efficiency Ratio | 89.06% | 90.90% | 95.91% | 66.47% | 54.09% | 58.85% | 63.21% | 76.54% | +1,007 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.73% | -6.08% | -5.62% | -2.24% | -1.30% | 0.35% | -1.04% | -0.11% | +213 bps | |
| Loan Growth (YoY) | -22.68% | -22.53% | -13.18% | -9.56% | -7.47% | 10.64% | 6.58% | 11.73% | +2,129 bps | |
| Share Growth (YoY) | -7.62% | -6.36% | -5.36% | -1.88% | -1.04% | 0.04% | -2.41% | -1.96% | -8 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.89% | 4.65% | 8.95% | 4.40% | 3.62% | 4.77% | 5.01% | 2.78% | -162 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 | 2.67% | 3.33% | 4.09% | 2.34% | 3.34% | 3.11% | 3.46% | 2.21% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.35% | 14.41% | 13.74% | 13.18% | 14.10% | 14.53% | 14.83% | 14.99% | +181 bps | |
| Net Worth / Assets | 14.35% | 14.41% | 13.74% | 13.18% | 14.10% | 14.53% | 14.83% | 14.99% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.71% | 75.85% | 73.66% | 74.50% | 75.46% | 83.89% | 80.45% | 84.90% | +1,040 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |