Loveland, CO · Charter 68232
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.67% | -2.18% | -2.68% | -2.88% | -4.98% | -3.47% | -4.38% | 3.87% | +675 bps | |
| Return on Equity | -22.55% | -17.98% | -25.17% | -30.03% | -60.20% | -36.46% | -56.63% | 43.03% | +7,306 bps | |
| Net Interest Margin | 3.85% | 3.98% | 3.85% | 3.75% | 3.71% | 4.18% | 4.26% | 3.80% | +6 bps | |
| Efficiency Ratio | 101.82% | 104.61% | 106.47% | 105.87% | 81.73% | 95.77% | 103.43% | 45.58% | -6,028 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.14% | -0.23% | -0.06% | 4.69% | -2.17% | -9.58% | -15.90% | -21.49% | -2,617 bps | |
| Loan Growth (YoY) | -1.58% | -3.43% | -9.10% | -10.72% | -15.41% | -21.10% | -20.97% | -24.98% | -1,426 bps | |
| Share Growth (YoY) | 4.83% | 1.72% | 3.61% | 8.77% | 1.05% | -3.95% | -11.16% | -18.58% | -2,735 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.41% | 6.93% | 1.59% | 3.24% | 3.90% | 1.15% | 2.70% | 2.55% | -69 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 | 4.27% | 4.20% | 0.97% | 0.98% | 4.12% | 3.06% | 3.63% | 3.87% | +289 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.84% | 12.10% | 10.65% | 9.59% | 8.27% | 9.53% | 7.74% | 8.99% | -60 bps | |
| Net Worth / Assets | 11.84% | 12.10% | 10.65% | 9.59% | 8.27% | 9.53% | 7.74% | 8.99% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.96% | 84.84% | 75.93% | 69.02% | 66.09% | 69.69% | 67.55% | 63.60% | -542 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |