Stratton, CO · Cert 3059
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | 0.57% | -8.44% | -0.11% | 0.46% | -6.57% | -3.81% | 5.38% | +549 bps | |
| Return on Equity | -1.62% | 7.73% | -121.27% | -1.40% | 5.48% | -88.40% | -55.19% | 68.85% | +7,026 bps | |
| Net Interest Margin | 4.15% | 4.77% | 4.43% | 4.37% | 4.72% | 4.19% | 4.05% | 3.91% | -46 bps | |
| Efficiency Ratio | 99.84% | 90.01% | 175.41% | 101.97% | 91.98% | 143.35% | 84.91% | 85.71% | -1,626 bps | |
| Non-Interest Burden | 4.14% | 4.20% | 8.49% | 4.48% | 4.27% | 6.37% | 3.12% | 3.22% | -126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.51% | 13.04% | 6.53% | 10.45% | 8.98% | 9.52% | 6.30% | 8.03% | -242 bps | |
| Loan Growth (YoY) | 25.80% | 21.73% | 15.29% | 17.00% | 15.72% | 5.70% | -2.84% | -15.45% | -3,245 bps | |
| Deposit Growth (YoY) | 27.62% | 24.79% | 18.26% | 8.93% | 7.30% | 10.12% | 13.41% | 8.18% | -75 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 | -0.08% | 0.00% | 3.98% | 0.08% | 0.42% | 0.53% | 0.19% | -0.01% | -9 bps | |
| Allowance / Loans | 1.42% | 1.30% | 1.72% | 1.70% | 1.55% | 2.96% | 4.88% | 3.53% | +184 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 | 10.67% | 10.47% | 9.06% | 11.92% | 11.73% | 9.82% | 11.12% | 13.92% | +200 bps | |
| Equity / Assets | 7.31% | 7.36% | 6.57% | 8.51% | 8.31% | 6.57% | 7.23% | 8.39% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.96% | 79.54% | 84.97% | 80.18% | 78.68% | 76.34% | 72.80% | 62.66% | -1,752 bps | |
| Liquid Assets / Assets | 1.28% | 0.85% | 0.83% | 0.72% | 0.69% | 0.68% | 1.64% | 2.06% | +135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |