Aurora, CO · Cert 22268
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 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.
Aurora, CO · Cert 22268
FDIC
Q2 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.23% | 2.40% | 2.66% | 2.70% | 2.70% | 2.68% | 2.42% | 2.25% | -45 bps | |
| Return on Equity | 23.94% | 25.91% | 29.84% | 30.25% | 30.05% | 29.76% | 27.36% | 26.27% | -399 bps | |
| Net Interest Margin | 5.32% | 5.49% | 5.73% | 5.93% | 5.97% | 5.89% | 5.79% | 5.55% | -38 bps | |
| Efficiency Ratio | 63.49% | 61.76% | 58.24% | 58.73% | 59.08% | 59.46% | 60.89% | 58.64% | -9 bps | |
| Non-Interest Burden | 3.05% | 3.04% | 3.03% | 3.15% | 3.19% | 3.18% | 3.25% | 2.96% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.27% | 3.47% | 6.32% | 2.90% | 2.37% | 2.93% | 7.40% | 8.78% | +589 bps | |
| Loan Growth (YoY) | 9.25% | 6.44% | 2.27% | -1.01% | -5.42% | 4.25% | 11.79% | 12.31% | +1,333 bps | |
| Deposit Growth (YoY) | 5.03% | 6.53% | 5.02% | 0.60% | -1.50% | -3.86% | 3.49% | -5.34% | -594 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 | 0.04% | 0.10% | 0.01% | 0.00% | 0.01% | 0.01% | 0.06% | 0.46% | +46 bps | |
| Allowance / Loans | 0.89% | 0.86% | 0.91% | 0.92% | 0.97% | 0.90% | 0.86% | 0.84% | -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 | 13.52% | 13.44% | 13.74% | 13.58% | 13.72% | 13.00% | 12.56% | 11.89% | -169 bps | |
| Equity / Assets | 9.22% | 9.06% | 8.79% | 8.90% | 9.14% | 9.09% | 8.58% | 8.03% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.38% | 85.56% | 84.29% | 86.93% | 85.82% | 92.78% | 91.05% | 103.15% | +1,622 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.02% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |