Canon City, CO · Cert 3000
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.56% | 1.46% | 1.54% | 1.71% | 1.93% | 1.81% | 1.59% | 0.12% | -159 bps | |
| Return on Equity | 13.11% | 12.49% | 13.96% | 15.56% | 17.87% | 16.94% | 15.80% | 0.86% | -1,470 bps | |
| Net Interest Margin | 4.40% | 4.33% | 4.33% | 4.46% | 4.52% | 4.54% | 4.59% | 0.57% | -389 bps | |
| Efficiency Ratio | 64.79% | 66.70% | 64.40% | 62.19% | 60.57% | 63.36% | 66.89% | 57.76% | -443 bps | |
| Non-Interest Burden | 2.66% | 2.71% | 2.61% | 2.59% | 2.52% | 2.68% | 2.92% | 0.31% | -228 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.65% | 3.54% | 4.16% | 6.41% | 6.23% | 7.07% | 15.61% | 11.96% | +554 bps | |
| Loan Growth (YoY) | -5.34% | -3.88% | 3.45% | 9.19% | 17.24% | 8.56% | -2.98% | -9.35% | -1,854 bps | |
| Deposit Growth (YoY) | 3.51% | 4.44% | 5.85% | 7.61% | 5.91% | 7.96% | 16.90% | -1.57% | -918 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 | 0.14% | 0.14% | 0.01% | 0.04% | 0.03% | 0.07% | 0.02% | -0.01% | -5 bps | |
| Allowance / Loans | 1.79% | 1.78% | 1.73% | 1.73% | 1.63% | 1.70% | 1.78% | 2.44% | +71 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 | 19.06% | 18.62% | 18.00% | 17.59% | 16.04% | 17.22% | 17.95% | 20.19% | +260 bps | |
| Equity / Assets | 11.49% | 11.06% | 10.97% | 10.97% | 10.30% | 10.23% | 9.85% | 20.33% | +936 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.59% | 66.13% | 70.62% | 71.19% | 74.82% | 66.49% | 58.61% | 65.56% | -562 bps | |
| Liquid Assets / Assets | 5.64% | 5.70% | 5.58% | 6.13% | 5.84% | 5.71% | 5.12% | 2.42% | -371 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |