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Letter portraitLegal landscapeQuarterYTD

Centennial Bank of Blende

Pueblo, CO · Cert 22301

FDIC

Q2 2006

$39.6MAssets
$18.5MLoans
$31.6MDeposits
$7.9MEquity
Loan mix
57%RE $3.9M42%C&I $2.9M1%Consumer $0.1MQ2 2005Q2 2006
Deposit mix
76%Interest-bearing $24.1M24%Noninterest $7.5MQ2 2005Q2 2006

NIM

5.00%Q2 ’045.29%Q2 ’050.85%Q2 ’06+4%-85%

Non-interest income vs. expense

3.11%Q2 ’043.16%Q2 ’050.38%Q2 ’06+1%-88%

Executive Summary

  • Earnings: ROA of 0.22%, down 157 bps year over year; NIM at 0.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 58.54% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

0.22%-157 bps YoY

Net Interest Margin (YTD, annualized)

0.67%-379 bps YoY

Efficiency Ratio (YTD, annualized)

53.13%-1,169 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets1.80%1.59%1.43%1.00%0.22%-157 bps
Return on Equity16.55%14.50%12.86%9.15%1.55%-1,500 bps
Net Interest Margin4.46%4.78%4.87%4.83%0.67%-379 bps
Efficiency Ratio64.81%69.65%72.67%80.14%53.13%-1,169 bps
Non-Interest Burden2.74%3.21%3.43%3.80%0.33%-241 bps
Growth
Asset Growth (YoY)2.63%2.81%3.15%0.78%16.03%+1,340 bps
Loan Growth (YoY)12.24%7.18%7.55%-6.16%-20.97%-3,322 bps
Deposit Growth (YoY)2.02%2.25%2.39%0.90%4.09%+206 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.02%0.00%+1 bps
Allowance / Loans1.65%1.76%1.71%1.89%1.74%+9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.01%17.75%18.01%17.48%18.19%+118 bps
Equity / Assets10.88%11.34%11.67%10.22%19.83%+895 bps
Liquidity & Funding
Loans / Deposits77.11%75.98%76.98%65.11%58.54%-1,857 bps
Liquid Assets / Assets2.01%1.99%2.62%1.73%0.00%-201 bps
CRE / Total Capitaln/an/an/an/an/an/an/a