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First National Bank of Arvada, The

Arvada, CO · Cert 2994

FDIC

Q2 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2011, the quarter ended June 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Arvada, The

Arvada, CO · Cert 2994

FDIC

Q2 2011

$954.1MAssets
$583.3MLoans
$818.7MDeposits
$18.1MEquity
Loan mix
86%RE $397.0M13%C&I $61.4M1%Consumer $3.7MQ2 2010Q2 2011
Deposit mix
97%Interest-bearing $791.5M3%Noninterest $27.1MQ2 2010Q2 2011

NIM

5.27%Q2 ’093.95%Q2 ’103.83%Q2 ’11-22%+7%

Non-interest income vs. expense

2.84%Q2 ’092.59%Q2 ’103.53%Q2 ’11+9%+23%

Executive Summary

  • Earnings: ROA of -2.82%, down 91 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.23%.
  • Funding: loans stand at 71.25% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-2.82%-91 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+15 bps YoY

Efficiency Ratio (YTD, annualized)

135.95%+1,488 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-1.91%-2.94%-4.79%-3.00%-2.82%-91 bps
Return on Equity-28.56%-46.72%-86.31%-135.91%-133.41%-10,485 bps
Net Interest Margin2.23%2.28%2.36%2.01%2.38%+15 bps
Efficiency Ratio121.07%133.46%141.49%125.76%135.95%+1,488 bps
Non-Interest Burden2.74%3.03%3.25%2.68%3.39%+64 bps
Growth
Asset Growth (YoY)0.36%4.77%-5.72%-19.03%-25.34%-2,570 bps
Loan Growth (YoY)-14.15%-16.29%-18.79%-19.64%-24.77%-1,061 bps
Deposit Growth (YoY)12.15%20.65%6.57%-14.41%-22.93%-3,508 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.25%3.32%5.46%1.59%4.23%+98 bps
Allowance / Loans3.14%4.28%5.00%5.97%5.52%+238 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.37%8.88%5.16%4.77%4.12%-624 bps
Equity / Assets6.12%5.06%2.33%2.06%1.90%-423 bps
Liquidity & Funding
Loans / Deposits72.99%71.11%69.55%69.68%71.25%-174 bps
Liquid Assets / Assets22.07%18.46%19.99%17.37%13.76%-831 bps
CRE / Total Capitaln/an/an/an/an/an/an/a