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Cheyenne Mountain Bank

Colorado Springs, CO · Cert 25719

FDIC

Q2 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cheyenne Mountain Bank

Colorado Springs, CO · Cert 25719

FDIC

Q2 2007

$42.1MAssets
$30.2MLoans
$36.0MDeposits
$5.5MEquity
Loan mix
79%RE $17.7M20%C&I $4.6M1%Consumer $0.2MQ2 2006Q2 2007
Deposit mix
74%Interest-bearing $26.5M26%Noninterest $9.5MQ2 2006Q2 2007

NIM

5.58%Q2 ’056.33%Q2 ’066.94%Q2 ’07+11%+11%

Non-interest income vs. expense

4.66%Q2 ’054.25%Q2 ’064.14%Q2 ’07-13%+2%

Executive Summary

  • Earnings: ROA of 1.88%, up 46 bps year over year; NIM at 5.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.29%.
  • Funding: loans stand at 83.89% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

1.88%+46 bps YoY

Net Interest Margin (YTD, annualized)

5.69%+57 bps YoY

Efficiency Ratio (YTD, annualized)

67.14%-623 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.43%1.37%1.46%1.53%1.88%+46 bps
Return on Equity13.82%13.13%13.72%12.94%15.44%+162 bps
Net Interest Margin5.12%5.23%5.20%5.43%5.69%+57 bps
Efficiency Ratio73.38%74.41%72.70%72.65%67.14%-623 bps
Non-Interest Burden3.58%3.73%3.62%3.82%3.66%+8 bps
Growth
Asset Growth (YoY)4.83%0.02%0.65%-1.43%-9.50%-1,433 bps
Loan Growth (YoY)8.31%9.47%8.79%4.04%-1.17%-948 bps
Deposit Growth (YoY)11.07%-0.73%-0.79%-3.24%-13.56%-2,463 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.26%0.17%0.15%0.62%0.29%+4 bps
Allowance / Loans1.06%1.12%1.32%1.16%1.25%+18 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 Capital17.27%18.75%18.83%19.07%20.34%+307 bps
Equity / Assets10.29%10.84%11.49%12.15%13.00%+271 bps
Liquidity & Funding
Loans / Deposits73.37%75.05%75.51%80.74%83.89%+1,052 bps
Liquid Assets / Assets0.05%0.04%0.04%0.14%0.05%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a