Colorado Springs, CO · Cert 25719
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.
Colorado Springs, CO · Cert 25719
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 | 0.88% | 0.89% | 1.40% | 1.43% | 1.37% | 1.46% | 1.53% | 1.88% | +46 bps | |
| Return on Equity | 8.92% | 8.98% | 13.52% | 13.82% | 13.13% | 13.72% | 12.94% | 15.44% | +162 bps | |
| Net Interest Margin | 4.59% | 4.72% | 4.85% | 5.12% | 5.23% | 5.20% | 5.43% | 5.69% | +57 bps | |
| Efficiency Ratio | 84.84% | 83.66% | 73.55% | 73.38% | 74.41% | 72.70% | 72.65% | 67.14% | -623 bps | |
| Non-Interest Burden | 3.81% | 3.86% | 3.35% | 3.58% | 3.73% | 3.62% | 3.82% | 3.66% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.77% | -7.29% | -2.02% | 4.83% | 0.02% | 0.65% | -1.43% | -9.50% | -1,433 bps | |
| Loan Growth (YoY) | 0.23% | -1.60% | 8.67% | 8.31% | 9.47% | 8.79% | 4.04% | -1.17% | -948 bps | |
| Deposit Growth (YoY) | -6.28% | -7.89% | -3.07% | 11.07% | -0.73% | -0.79% | -3.24% | -13.56% | -2,463 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 | -0.06% | 0.05% | 0.23% | 0.26% | 0.17% | 0.15% | 0.62% | 0.29% | +4 bps | |
| Allowance / Loans | 1.29% | 1.26% | 1.16% | 1.06% | 1.12% | 1.32% | 1.16% | 1.25% | +18 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 | 16.56% | 16.27% | 17.14% | 17.27% | 18.75% | 18.83% | 19.07% | 20.34% | +307 bps | |
| Equity / Assets | 10.21% | 10.16% | 10.50% | 10.29% | 10.84% | 11.49% | 12.15% | 13.00% | +271 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.06% | 68.86% | 75.09% | 73.37% | 75.05% | 75.51% | 80.74% | 83.89% | +1,052 bps | |
| Liquid Assets / Assets | 0.01% | 0.03% | 0.06% | 0.05% | 0.04% | 0.04% | 0.14% | 0.05% | -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 |