Brighton, CO · Charter 9890
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.93% | 0.27% | 0.24% | 0.28% | -2.56% | 0.15% | 0.11% | -13 bps | |
| Return on Equity | 3.16% | 9.62% | 2.82% | 2.45% | 2.81% | -30.51% | 1.79% | 1.28% | -117 bps | |
| Net Interest Margin | 4.00% | 3.81% | 3.68% | 3.59% | 3.60% | 3.23% | 2.96% | 2.84% | -75 bps | |
| Efficiency Ratio | 85.34% | 78.41% | 83.54% | 83.96% | 85.15% | 82.35% | 67.10% | 73.25% | -1,071 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | -0.69% | 5.07% | 2.35% | 4.14% | 7.90% | 13.29% | 15.61% | +1,326 bps | |
| Loan Growth (YoY) | -1.86% | -3.92% | -13.14% | -17.08% | -21.40% | -15.54% | -12.98% | -9.85% | +724 bps | |
| Share Growth (YoY) | 0.45% | -1.64% | 5.48% | 2.11% | 4.54% | 9.54% | 14.00% | 17.04% | +1,493 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.68% | 0.66% | 0.04% | 0.02% | 0.12% | 0.29% | 0.02% | -2 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 | 0.50% | 0.48% | 0.77% | 0.51% | 0.49% | 0.56% | 0.51% | 0.51% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.99% | 9.69% | 9.58% | 9.68% | 9.87% | 8.38% | 8.66% | 8.54% | -114 bps | |
| Net Worth / Assets | 9.99% | 9.69% | 9.58% | 9.68% | 9.87% | 8.38% | 8.66% | 8.54% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.39% | 66.56% | 60.90% | 57.96% | 56.68% | 51.33% | 46.48% | 44.64% | -1,331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |