Denver, CO · Charter 68350
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Denver, CO · Charter 68350
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.95% | 1.09% | 0.95% | -1.74% | -0.73% | -1.74% | -1.99% | -294 bps | |
| Return on Equity | 9.94% | 13.40% | 14.60% | 12.43% | -24.38% | -10.00% | -26.64% | -34.17% | -4,660 bps | |
| Net Interest Margin | 2.91% | 2.98% | 3.12% | 3.11% | 3.18% | 3.15% | 3.31% | 3.31% | +20 bps | |
| Efficiency Ratio | 84.66% | 81.01% | 79.38% | 81.65% | 79.59% | 80.09% | 106.92% | 107.13% | +2,548 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.66% | -6.82% | -7.44% | -4.06% | -3.10% | -2.11% | -3.52% | -1.93% | +213 bps | |
| Loan Growth (YoY) | -3.53% | -10.91% | -10.73% | -9.30% | -7.28% | -2.61% | -2.02% | -5.51% | +379 bps | |
| Share Growth (YoY) | 0.91% | 0.85% | -0.35% | -1.98% | 0.65% | 2.93% | 2.89% | 5.58% | +756 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.83% | 2.55% | 0.93% | 1.60% | 2.04% | 2.56% | 1.64% | 2.82% | +121 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 | 3.87% | 1.74% | 1.28% | 0.80% | 0.91% | 1.00% | 0.98% | 1.42% | +62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.59% | 7.06% | 7.44% | 7.66% | 7.14% | 7.32% | 6.53% | 5.82% | -184 bps | |
| Net Worth / Assets | 6.59% | 7.06% | 7.44% | 7.66% | 7.14% | 7.32% | 6.53% | 5.82% | -184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.39% | 96.66% | 96.45% | 99.35% | 93.41% | 91.45% | 91.85% | 88.91% | -1,044 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |