Colorado Springs, CO · Cert 25719
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 0.92% | 1.40% | 1.47% | 1.24% | 1.73% | 1.53% | 2.25% | +78 bps | |
| Return on Equity | 13.12% | 9.08% | 13.52% | 14.12% | 11.77% | 15.47% | 12.94% | 17.87% | +375 bps | |
| Net Interest Margin | 4.63% | 4.80% | 4.85% | 5.30% | 5.36% | 5.49% | 5.43% | 5.65% | +34 bps | |
| Efficiency Ratio | 74.23% | 80.23% | 73.55% | 73.20% | 76.47% | 67.80% | 72.65% | 61.60% | -1,160 bps | |
| Non-Interest Burden | 3.30% | 3.73% | 3.35% | 3.75% | 3.97% | 3.56% | 3.82% | 3.29% | -47 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 | 0.04% | 0.38% | 0.23% | 0.29% | -0.01% | 0.08% | 0.62% | -0.05% | -34 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 |