Vail, CO · Cert 22572
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.
Vail, CO · Cert 22572
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 | 0.96% | 0.93% | 0.91% | 0.97% | 1.04% | 1.08% | 1.16% | 1.23% | +26 bps | |
| Return on Equity | 7.58% | 7.30% | 7.56% | 7.89% | 8.44% | 8.81% | 9.52% | 10.12% | +223 bps | |
| Net Interest Margin | 4.09% | 4.05% | 4.63% | 4.63% | 4.58% | 4.67% | 5.02% | 5.08% | +46 bps | |
| Efficiency Ratio | 71.09% | 72.10% | 73.97% | 73.15% | 71.81% | 70.05% | 68.36% | 66.88% | -627 bps | |
| Non-Interest Burden | 2.44% | 2.52% | 3.22% | 3.17% | 3.03% | 3.00% | 3.18% | 3.15% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.79% | 10.23% | 13.15% | 11.20% | 7.54% | 8.27% | 2.68% | 10.39% | -81 bps | |
| Loan Growth (YoY) | 21.53% | 31.56% | 25.83% | 20.23% | 10.82% | 17.54% | 25.59% | 26.95% | +671 bps | |
| Deposit Growth (YoY) | 8.02% | 10.94% | 14.55% | 11.01% | 7.31% | 10.18% | 0.26% | 7.73% | -328 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 | 0.10% | 0.08% | -0.03% | -0.04% | -0.02% | -0.01% | 0.00% | 0.00% | +4 bps | |
| Allowance / Loans | 0.97% | 0.94% | 0.99% | 0.95% | 0.95% | 0.92% | 0.93% | 0.92% | -3 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 | 11.50% | 10.91% | 11.21% | 11.54% | 11.47% | 10.44% | 10.83% | 10.61% | -92 bps | |
| Equity / Assets | 12.50% | 12.51% | 11.71% | 12.58% | 12.53% | 12.26% | 12.21% | 12.03% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.02% | 82.14% | 72.42% | 80.88% | 79.54% | 87.63% | 90.71% | 95.30% | +1,442 bps | |
| Liquid Assets / Assets | 0.39% | 0.05% | 0.05% | 0.60% | 0.03% | 0.03% | 0.03% | 0.02% | -57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |