Lamar, CO · Cert 10412
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Lamar, CO · Cert 10412
FDIC
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 1.20% | 2.00% | 1.93% | 2.03% | 1.30% | 2.13% | 2.11% | +18 bps | |
| Return on Equity | 14.95% | 11.17% | 17.47% | 16.98% | 17.90% | 11.40% | 18.06% | 19.49% | +251 bps | |
| Net Interest Margin | 4.21% | 4.12% | 4.36% | 4.26% | 4.26% | 4.20% | 4.30% | 4.40% | +14 bps | |
| Efficiency Ratio | 55.86% | 64.16% | 48.49% | 49.48% | 48.25% | 63.14% | 51.10% | 49.35% | -14 bps | |
| Non-Interest Burden | 2.13% | 2.47% | 1.90% | 1.85% | 1.76% | 2.46% | 1.72% | 1.81% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.63% | 0.10% | -5.77% | -1.47% | 0.08% | -3.36% | -3.63% | -2.05% | -58 bps | |
| Loan Growth (YoY) | 1.59% | 9.28% | 8.47% | 5.36% | 1.89% | -2.04% | -2.43% | -1.02% | -639 bps | |
| Deposit Growth (YoY) | -0.61% | -1.12% | -8.19% | -2.60% | -1.45% | 0.71% | 3.95% | 4.57% | +717 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 | -0.19% | 0.83% | -0.10% | 0.08% | 0.09% | 0.98% | -0.03% | 2.84% | +276 bps | |
| Allowance / Loans | 3.52% | 2.68% | 2.91% | 2.99% | 3.06% | 2.41% | 2.63% | 1.31% | -168 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 | 16.42% | 16.47% | 17.34% | 16.42% | 16.74% | 16.87% | 17.92% | 13.36% | -305 bps | |
| Equity / Assets | 11.37% | 11.25% | 11.63% | 11.16% | 11.38% | 11.39% | 12.18% | 8.89% | -227 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.84% | 93.33% | 94.74% | 94.79% | 95.98% | 90.78% | 88.93% | 89.72% | -507 bps | |
| Liquid Assets / Assets | 0.12% | 0.14% | 0.05% | 0.08% | 0.05% | 0.23% | 0.12% | 0.10% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |