Grand Junction, CO · Cert 12863
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 0.37% | -0.12% | -0.12% | -1.11% | -222 bps | |
| Return on Equity | 1.39% | 0.46% | -0.15% | -0.15% | -1.39% | -278 bps | |
| Net Interest Margin | 3.81% | 2.47% | 1.60% | 1.11% | 0.00% | -381 bps | |
| Efficiency Ratio | 54.84% | 80.00% | 107.69% | 122.22% | 128.57% | +7,373 bps | |
| Non-Interest Burden | 2.09% | 1.98% | 1.73% | 1.35% | 1.60% | -49 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.62% | 1.12% | 0.65% | 0.18% | -0.46% | -208 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 406% | 407% | 407% | 406% | 406% | +66 bps | |
| Equity / Assets | 79.61% | 80.02% | 79.97% | 79.82% | 79.73% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 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 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |