Denver, CO · Cert 16648
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.
Denver, CO · Cert 16648
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 | 1.16% | 1.25% | 1.24% | 1.21% | 1.22% | 1.18% | 1.03% | 1.03% | -18 bps | |
| Return on Equity | 8.43% | 9.14% | 9.24% | 8.89% | 8.99% | 8.72% | 7.56% | 7.59% | -129 bps | |
| Net Interest Margin | 3.53% | 3.54% | 3.81% | 3.90% | 3.91% | 3.83% | 3.94% | 3.93% | +3 bps | |
| Efficiency Ratio | 59.11% | 56.04% | 57.76% | 58.73% | 57.91% | 59.27% | 62.63% | 65.53% | +680 bps | |
| Non-Interest Burden | 1.83% | 1.71% | 1.96% | 2.09% | 2.06% | 2.09% | 2.33% | 2.46% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.19% | 2.23% | 0.35% | -2.31% | 0.84% | -0.21% | 0.81% | 3.75% | +606 bps | |
| Loan Growth (YoY) | 13.37% | 9.92% | 19.34% | 21.94% | 26.84% | 23.94% | 20.33% | 22.94% | +100 bps | |
| Deposit Growth (YoY) | 2.36% | 3.15% | 0.72% | -3.56% | 0.68% | -0.70% | -2.81% | 0.17% | +373 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 | 0.02% | -0.14% | -0.10% | -0.03% | 0.04% | 0.14% | 0.01% | 0.07% | +10 bps | |
| Allowance / Loans | 2.36% | 2.44% | 2.27% | 2.16% | 1.96% | 1.83% | 1.73% | 1.58% | -57 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 | 25.95% | 25.40% | 24.20% | 23.34% | 22.55% | 23.76% | 23.32% | 22.40% | -94 bps | |
| Equity / Assets | 13.50% | 13.44% | 13.49% | 14.04% | 13.18% | 13.48% | 13.69% | 13.45% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.33% | 53.27% | 59.38% | 63.30% | 63.41% | 66.49% | 73.51% | 77.69% | +1,439 bps | |
| Liquid Assets / Assets | 1.30% | 0.80% | 0.81% | 0.75% | 0.64% | 0.45% | 0.45% | 0.45% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |