Nederland, CO · Cert 26751
FDIC
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.32% | 1.82% | 2.39% | 2.60% | 2.68% | 2.58% | 2.66% | 2.72% | +12 bps | |
| Return on Equity | 27.39% | 23.38% | 29.95% | 31.30% | 31.17% | 25.63% | 26.15% | 26.27% | -503 bps | |
| Net Interest Margin | 5.40% | 5.32% | 5.50% | 5.70% | 5.87% | 5.56% | 5.67% | 5.84% | +14 bps | |
| Efficiency Ratio | 60.16% | 68.02% | 60.29% | 57.88% | 56.83% | 57.55% | 56.49% | 56.58% | -130 bps | |
| Non-Interest Burden | 2.99% | 3.44% | 3.09% | 3.04% | 3.05% | 2.97% | 2.96% | 3.06% | +2 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 | -0.05% | 0.06% | 0.03% | 0.01% | 0.01% | -0.01% | 0.09% | 0.06% | +5 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 |