Colorado Springs, CO · Cert 18896
FDIC
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Colorado Springs, CO · Cert 18896
FDIC
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.63% | 0.61% | 0.56% | -17.24% | -8.76% | -6.84% | -6.51% | -707 bps | |
| Return on Equity | 6.49% | 5.41% | 5.24% | 4.88% | -191.31% | -106.52% | -85.11% | -85.11% | -8,999 bps | |
| Net Interest Margin | 3.43% | 3.21% | 3.14% | 3.05% | 3.05% | 2.87% | 3.00% | 2.77% | -28 bps | |
| Efficiency Ratio | 66.31% | 71.48% | 74.13% | 74.22% | 77.28% | 86.05% | 86.22% | 99.66% | +2,544 bps | |
| Non-Interest Burden | 2.20% | 2.23% | 2.27% | 2.20% | 19.73% | 11.30% | 8.87% | 7.64% | +544 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.13% | 13.85% | 8.79% | 9.66% | 11.86% | 5.99% | -10.92% | -8.89% | -1,855 bps | |
| Loan Growth (YoY) | 30.21% | 24.33% | 7.26% | 16.03% | 10.94% | 3.46% | -1.95% | -22.49% | -3,852 bps | |
| Deposit Growth (YoY) | 17.03% | 22.00% | 12.84% | 13.64% | 24.41% | 6.65% | -8.70% | -3.57% | -1,722 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 | 0.00% | 0.00% | 0.03% | 0.04% | 0.01% | 0.03% | 0.04% | 0.60% | +56 bps | |
| Allowance / Loans | 1.16% | 1.18% | 1.17% | 1.17% | 1.52% | 1.98% | 3.18% | 4.99% | +382 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 | 11.04% | 10.58% | 10.95% | 10.27% | 10.28% | 10.73% | 11.19% | 9.93% | -34 bps | |
| Equity / Assets | 11.82% | 11.17% | 11.43% | 11.28% | 6.85% | 6.64% | 7.37% | 5.99% | -529 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.91% | 88.37% | 84.78% | 90.61% | 80.17% | 85.73% | 91.04% | 72.84% | -1,777 bps | |
| Liquid Assets / Assets | 1.13% | 1.20% | 3.61% | 1.00% | 11.69% | 10.21% | 1.54% | 15.81% | +1,481 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |