Eaton, CO · Cert 15515
FDIC
Q4 2007
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.53% | -0.48% | -0.64% | -14.97% | -1,577 bps | |
| Return on Equity | 3.70% | 2.30% | -2.09% | -2.75% | -69.48% | -7,317 bps | |
| Net Interest Margin | 3.96% | 3.66% | 3.61% | 3.62% | 4.17% | +21 bps | |
| Efficiency Ratio | 59.07% | 57.55% | 60.82% | 58.90% | 59.86% | +79 bps | |
| Non-Interest Burden | 2.27% | 2.03% | 2.14% | 2.06% | 19.06% | +1,679 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.45% | -9.41% | -12.47% | -12.35% | -26.21% | -1,677 bps | |
| Loan Growth (YoY) | -7.27% | -9.70% | -10.67% | -16.64% | -20.86% | -1,358 bps | |
| Deposit Growth (YoY) | -2.88% | -7.52% | -9.23% | -4.18% | -16.06% | -1,318 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.36% | 0.49% | 1.30% | 4.68% | 3.94% | +358 bps | |
| Allowance / Loans | 1.75% | 1.98% | 2.87% | 1.44% | 1.68% | -8 bps | |
| 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 | 11.52% | 12.00% | 11.91% | 12.06% | 13.38% | +186 bps | |
| Equity / Assets | 22.59% | 23.42% | 23.39% | 24.10% | 12.11% | -1,048 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.25% | 102.23% | 100.73% | 97.08% | 96.41% | -584 bps | |
| Liquid Assets / Assets | 0.35% | 0.92% | 0.50% | 0.51% | 0.84% | +49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |