Englewood, CO · Cert 91324
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 1.24% | 1.02% | 0.86% | 1.20% | -19 bps | |
| Return on Equity | 13.01% | 11.72% | 9.50% | 7.96% | 12.34% | -67 bps | |
| Net Interest Margin | 3.98% | 3.93% | 4.19% | 3.61% | 3.61% | -37 bps | |
| Efficiency Ratio | 62.89% | 65.57% | 70.99% | 73.13% | 63.94% | +105 bps | |
| Non-Interest Burden | 1.81% | 1.91% | 2.47% | 2.22% | 1.75% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.27% | 9.93% | 7.89% | 11.22% | 8.87% | +559 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 9.08% | 9.14% | 10.68% | 12.56% | 15.03% | +595 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 41.00% | 42.59% | 36.91% | 26.99% | 20.36% | -2,064 bps | |
| Equity / Assets | 10.75% | 10.41% | 11.13% | 10.59% | 8.83% | -191 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 92.12% | 94.24% | 87.26% | 75.98% | 71.02% | -2,109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |