Boulder, CO · Cert 21267
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Boulder, CO · Cert 21267
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.37% | 0.47% | 0.55% | 0.63% | 0.56% | 0.56% | 0.38% | -16 bps | |
| Return on Equity | 5.00% | 3.70% | 4.73% | 5.43% | 6.03% | 5.22% | 5.24% | 3.55% | -187 bps | |
| Net Interest Margin | 4.61% | 4.77% | 5.03% | 4.89% | 4.97% | 4.79% | 4.73% | 4.69% | -21 bps | |
| Efficiency Ratio | 69.64% | 72.58% | 73.11% | 72.42% | 77.67% | 81.15% | 80.50% | 81.15% | +872 bps | |
| Non-Interest Burden | 2.76% | 3.14% | 3.35% | 3.22% | 3.60% | 3.71% | 3.62% | 3.60% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.36% | 1.45% | -3.84% | -2.77% | 1.62% | -3.79% | -1.69% | -0.87% | +190 bps | |
| Loan Growth (YoY) | 0.65% | 1.28% | -0.70% | 2.79% | -1.71% | -5.36% | -3.43% | -0.70% | -349 bps | |
| Deposit Growth (YoY) | -2.76% | -7.50% | -5.26% | -3.66% | 1.37% | 4.79% | -1.78% | -1.56% | +210 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 | 0.85% | 0.84% | 0.77% | 0.74% | 0.84% | 0.69% | 0.48% | 0.64% | -9 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.23% | 1.19% | 1.14% | 1.10% | 1.16% | 1.13% | -6 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 | 10.77% | 10.37% | 10.52% | 10.43% | 10.94% | 11.08% | 11.12% | 10.99% | +56 bps | |
| Equity / Assets | 10.15% | 9.88% | 10.42% | 10.42% | 10.57% | 10.93% | 11.23% | 10.89% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.59% | 107.13% | 98.53% | 98.10% | 92.69% | 96.75% | 96.88% | 98.96% | +86 bps | |
| Liquid Assets / Assets | 4.70% | 3.76% | 3.36% | 2.60% | 2.64% | 2.58% | 2.40% | 2.15% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |