Nederland, CO · Cert 26751
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.99% | 1.82% | 2.95% | 3.02% | 2.97% | 2.58% | 2.72% | 2.83% | -19 bps | |
| Return on Equity | 25.14% | 23.38% | 36.12% | 34.04% | 30.81% | 25.63% | 26.40% | 26.62% | -742 bps | |
| Net Interest Margin | 5.09% | 5.32% | 5.77% | 5.74% | 5.84% | 5.56% | 5.92% | 6.01% | +27 bps | |
| Efficiency Ratio | 61.89% | 68.02% | 53.24% | 53.18% | 53.73% | 57.55% | 55.52% | 56.74% | +356 bps | |
| Non-Interest Burden | 2.91% | 3.44% | 2.80% | 2.73% | 2.79% | 2.97% | 3.03% | 3.17% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.97% | 25.73% | 21.01% | 6.52% | -8.42% | -5.95% | -4.05% | 1.69% | -482 bps | |
| Loan Growth (YoY) | 24.40% | 30.96% | 20.96% | 23.46% | 0.06% | -2.57% | 4.39% | -0.59% | -2,404 bps | |
| Deposit Growth (YoY) | 25.82% | 26.77% | 21.55% | 5.29% | -10.52% | -8.30% | -6.23% | 0.13% | -516 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 | 0.00% | 0.06% | 0.01% | -0.04% | 0.01% | -0.01% | 0.18% | -0.01% | +4 bps | |
| Allowance / Loans | 1.00% | 0.98% | 1.00% | 0.97% | 1.02% | 1.05% | 1.02% | 1.03% | +6 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 | 11.57% | 12.22% | 12.67% | 13.08% | 13.55% | 14.57% | 14.01% | 14.57% | +149 bps | |
| Equity / Assets | 7.56% | 8.01% | 8.35% | 9.42% | 9.84% | 10.27% | 10.37% | 10.91% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.35% | 72.57% | 73.11% | 81.92% | 80.90% | 77.11% | 81.39% | 81.34% | -59 bps | |
| Liquid Assets / Assets | 9.99% | 9.39% | 9.59% | 8.29% | 8.27% | 7.61% | 7.61% | 6.23% | -206 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |