Pueblo, CO · Cert 22301
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.
Pueblo, CO · Cert 22301
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 | 1.51% | 1.56% | 1.74% | 1.80% | 1.59% | 1.43% | 1.00% | 0.22% | -157 bps | |
| Return on Equity | 14.30% | 14.59% | 16.10% | 16.55% | 14.50% | 12.86% | 9.15% | 1.55% | -1,500 bps | |
| Net Interest Margin | 4.39% | 4.41% | 4.57% | 4.46% | 4.78% | 4.87% | 4.83% | 0.67% | -379 bps | |
| Efficiency Ratio | 66.69% | 66.16% | 65.11% | 64.81% | 69.65% | 72.67% | 80.14% | 53.13% | -1,169 bps | |
| Non-Interest Burden | 2.79% | 2.79% | 2.80% | 2.74% | 3.21% | 3.43% | 3.80% | 0.33% | -241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | 1.25% | -0.32% | 2.63% | 2.81% | 3.15% | 0.78% | 16.03% | +1,340 bps | |
| Loan Growth (YoY) | 5.56% | 4.31% | 5.99% | 12.24% | 7.18% | 7.55% | -6.16% | -20.97% | -3,322 bps | |
| Deposit Growth (YoY) | -2.88% | 1.05% | -0.65% | 2.02% | 2.25% | 2.39% | 0.90% | 4.09% | +206 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 | 0.01% | 0.01% | 0.00% | -0.01% | -0.01% | -0.01% | 0.02% | 0.00% | +1 bps | |
| Allowance / Loans | 1.86% | 1.89% | 1.83% | 1.65% | 1.76% | 1.71% | 1.89% | 1.74% | +9 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 | 17.48% | 17.95% | 17.44% | 17.01% | 17.75% | 18.01% | 17.48% | 18.19% | +118 bps | |
| Equity / Assets | 10.89% | 11.16% | 10.53% | 10.88% | 11.34% | 11.67% | 10.22% | 19.83% | +895 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.49% | 73.29% | 70.00% | 77.11% | 75.98% | 76.98% | 65.11% | 58.54% | -1,857 bps | |
| Liquid Assets / Assets | 1.68% | 2.36% | 2.13% | 2.01% | 1.99% | 2.62% | 1.73% | 0.00% | -201 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |