Breckenridge, CO · Cert 26525
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 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.
Breckenridge, CO · Cert 26525
FDIC
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.38% | 1.36% | 1.37% | 1.28% | 1.24% | 1.29% | 1.30% | -7 bps | |
| Return on Equity | 21.89% | 22.45% | 22.08% | 22.20% | 21.50% | 21.17% | 21.67% | 21.59% | -61 bps | |
| Net Interest Margin | 3.32% | 3.10% | 3.02% | 3.03% | 3.09% | 2.99% | 3.07% | 3.08% | +5 bps | |
| Efficiency Ratio | 54.80% | 52.73% | 51.98% | 51.64% | 51.35% | 52.40% | 51.42% | 50.63% | -102 bps | |
| Non-Interest Burden | 1.39% | 1.23% | 1.17% | 1.16% | 1.20% | 1.19% | 1.18% | 1.16% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.39% | 20.28% | 16.59% | 11.55% | 12.05% | 11.03% | 7.05% | 12.70% | +115 bps | |
| Loan Growth (YoY) | 29.44% | 24.94% | 20.62% | 15.54% | 18.78% | 18.35% | 19.83% | 24.20% | +866 bps | |
| Deposit Growth (YoY) | 6.36% | 13.92% | 15.28% | 12.99% | 12.85% | 11.04% | 7.60% | 5.93% | -706 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 | 0.02% | 0.03% | 0.03% | 0.02% | 0.01% | 0.04% | 0.03% | 0.03% | +1 bps | |
| Allowance / Loans | 0.93% | 0.90% | 0.92% | 0.94% | 0.91% | 0.91% | 0.92% | 0.95% | +2 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 | 12.07% | 11.71% | 11.88% | 11.58% | 10.95% | 10.78% | 11.34% | 11.54% | -4 bps | |
| Equity / Assets | 6.10% | 5.94% | 6.15% | 6.16% | 5.77% | 5.63% | 6.21% | 6.27% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.86% | 76.70% | 72.02% | 70.55% | 75.64% | 81.75% | 80.21% | 82.72% | +1,217 bps | |
| Liquid Assets / Assets | 19.25% | 18.94% | 18.89% | 17.96% | 16.63% | 16.26% | 16.82% | 16.52% | -144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |