Englewood, CO · Cert 91327
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Englewood, CO · Cert 91327
FDIC
Q2 2001
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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.18% | 1.19% | 5.68% | 4.37% | 3.42% | 0.66% | 0.94% | -475 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 2.14% | 2.42% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 53.95% | 48.23% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 0.97% | 0.94% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 90.12% | 65.12% | 11.37% | -44.17% | -51.55% | -43.37% | -37.09% | 26.87% | +7,104 bps | |
| Loan Growth (YoY) | 89.67% | -43.06% | -86.91% | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Deposit Growth (YoY) | 93.07% | 65.11% | 8.08% | -43.10% | -50.98% | -41.41% | -33.08% | 28.36% | +7,146 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | 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 | 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 | n/a | n/a | n/a | n/a | n/a | 10.80% | 12.49% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 5.06% | 5.73% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 2.19% | 0.66% | 0.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 80.24% | 77.45% | +7,745 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |