Eaton, CO · Cert 15515
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.00% | 0.78% | 0.29% | 0.53% | -1.52% | -0.97% | -64.01% | -6,430 bps | |
| Return on Equity | 5.15% | 4.70% | 3.60% | 1.30% | 2.30% | -6.49% | -4.11% | -341% | -34,241 bps | |
| Net Interest Margin | 3.93% | 3.93% | 3.79% | 3.72% | 3.66% | 3.51% | 3.50% | 3.86% | +13 bps | |
| Efficiency Ratio | 56.99% | 61.02% | 54.90% | 63.79% | 57.55% | 64.27% | 54.87% | 62.85% | -93 bps | |
| Non-Interest Burden | 2.21% | 2.33% | 1.91% | 2.38% | 2.03% | 2.22% | 1.82% | 68.94% | +6,656 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.37% | 42.23% | 37.25% | -9.45% | -9.41% | -12.47% | -12.35% | -26.21% | -1,677 bps | |
| Loan Growth (YoY) | 36.16% | 29.00% | 30.35% | -7.27% | -9.70% | -10.67% | -16.64% | -20.86% | -1,358 bps | |
| Deposit Growth (YoY) | 48.26% | 45.13% | 32.51% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.16% | 0.65% | 0.59% | 0.30% | 0.49% | 2.09% | 11.29% | 0.29% | -1 bps | |
| Allowance / Loans | 1.42% | 1.25% | 1.36% | 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 | 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 | 11.03% | 11.08% | 12.01% | 11.52% | 12.00% | 11.91% | 12.06% | 13.38% | +186 bps | |
| Equity / Assets | 21.40% | 21.23% | 22.34% | 22.59% | 23.42% | 23.39% | 24.10% | 12.11% | -1,048 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.69% | 102.36% | 111.59% | 102.25% | 102.23% | 100.73% | 97.08% | 96.41% | -584 bps | |
| Liquid Assets / Assets | 0.14% | 0.13% | 0.14% | 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 | n/a | n/a | n/a |