Denver, CO · Cert 90634
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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 · Cert 90634
FDIC
Q3 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.83% | 1.70% | 1.73% | 1.74% | 1.75% | 1.51% | 1.62% | 1.46% | -28 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 9.76% | 10.22% | 10.39% | n/a | |
| Net Interest Margin | n/a | 4.84% | 5.00% | 5.09% | 5.07% | 4.63% | 4.81% | 4.85% | -24 bps | |
| Efficiency Ratio | n/a | 38.55% | 38.39% | 38.01% | 37.81% | 38.87% | 36.98% | 36.44% | -157 bps | |
| Non-Interest Burden | n/a | 1.86% | 1.90% | 1.92% | 1.90% | 1.79% | 1.77% | 1.76% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.40% | 1.53% | -0.56% | -0.98% | -1.51% | -2.68% | -3.40% | -11.30% | -1,033 bps | |
| Loan Growth (YoY) | 4.00% | 0.43% | -0.49% | -1.39% | -2.77% | -4.37% | -3.97% | -7.02% | -563 bps | |
| Deposit Growth (YoY) | -0.04% | 13.86% | 36.50% | 24.17% | 24.19% | 19.35% | 2.29% | 3.56% | -2,060 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | 0.27% | 0.29% | 0.30% | 0.30% | 0.39% | 0.34% | 0.30% | 0 bps | |
| Allowance / Loans | n/a | 0.84% | 0.85% | 0.85% | 0.86% | 0.88% | 0.89% | 1.21% | +35 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | 24.35% | 25.23% | 24.25% | 22.61% | 23.95% | 24.62% | 12.65% | -1,161 bps | |
| Equity / Assets | n/a | 16.95% | 16.22% | 16.59% | 15.21% | 15.78% | 16.64% | 8.25% | -834 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 198.60% | 185.11% | 166.49% | 160.31% | 155.50% | 148.33% | 156.30% | 143.94% | -1,638 bps | |
| Liquid Assets / Assets | 0.00% | 2.72% | 1.56% | 1.94% | 2.32% | 3.17% | 0.97% | 1.30% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |