Grand Junction, CO · Cert 19109
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.82% | 1.69% | 1.68% | 0.12% | -0.24% | 0.00% | -1.08% | -276 bps | |
| Return on Equity | 2.12% | 2.25% | 2.09% | 2.08% | 0.15% | -0.30% | 0.00% | -1.34% | -342 bps | |
| Net Interest Margin | 4.15% | 4.12% | 3.82% | 4.42% | 2.16% | 1.25% | 1.19% | 0.00% | -442 bps | |
| Efficiency Ratio | 35.29% | 32.35% | 36.36% | 44.74% | 88.89% | 127.27% | 110.00% | 138.46% | +9,372 bps | |
| Non-Interest Burden | 1.47% | 1.33% | 1.39% | 1.91% | 1.92% | 1.59% | 1.31% | 1.52% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -56.83% | 0.67% | 1.65% | 1.77% | 1.03% | 0.70% | 0.36% | -0.45% | -222 bps | |
| Loan Growth (YoY) | n/a | -72.22% | -54.55% | -67.21% | -32.20% | 640% | -40.00% | -20.00% | +4,721 bps | |
| Deposit Growth (YoY) | -89.71% | -6.19% | -0.20% | -0.20% | -0.60% | 0.00% | 0.40% | 1.00% | +120 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 382% | 409% | 396% | 401% | 393% | 395% | 402% | 403% | +211 bps | |
| Equity / Assets | 80.74% | 80.90% | 80.86% | 80.75% | 81.24% | 81.16% | 80.96% | 80.81% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 11.73% | 1.00% | 6.00% | 4.00% | 8.00% | 7.40% | 3.59% | 3.17% | -83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |