Telluride, CO · Cert 33699
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Telluride, CO · Cert 33699
FDIC
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.38% | 1.45% | 1.55% | 1.70% | 1.66% | 1.70% | 1.01% | -54 bps | |
| Return on Equity | 16.91% | 17.63% | 19.00% | 20.26% | 22.73% | 22.50% | 23.15% | 14.14% | -612 bps | |
| Net Interest Margin | 4.74% | 4.68% | 4.53% | 4.42% | 4.92% | 4.87% | 4.66% | 4.73% | +31 bps | |
| Efficiency Ratio | 60.00% | 60.13% | 58.37% | 56.82% | 53.90% | 53.68% | 52.63% | 70.65% | +1,384 bps | |
| Non-Interest Burden | 2.67% | 2.62% | 2.44% | 2.28% | 2.41% | 2.39% | 2.24% | 3.21% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.09% | 24.55% | 27.14% | 29.59% | 22.08% | 29.91% | 16.26% | 27.19% | -241 bps | |
| Loan Growth (YoY) | 34.85% | 32.81% | 32.39% | 33.01% | 26.08% | 39.65% | 38.11% | 33.44% | +43 bps | |
| Deposit Growth (YoY) | 41.12% | 26.25% | 28.66% | 27.64% | 23.91% | 31.37% | 17.32% | 22.23% | -541 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% | 0.01% | 0.02% | 0.01% | 0.00% | 0.02% | 0.06% | 0.00% | -1 bps | |
| Allowance / Loans | 1.12% | 1.19% | 1.12% | 1.01% | 1.00% | 0.95% | 0.90% | 0.86% | -15 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 | 10.94% | 11.06% | 10.59% | 10.34% | 10.53% | 10.79% | 10.85% | 9.86% | -47 bps | |
| Equity / Assets | 7.47% | 7.78% | 7.15% | 7.64% | 7.32% | 7.14% | 7.23% | 6.51% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.67% | 73.04% | 65.92% | 80.82% | 73.94% | 77.64% | 77.60% | 88.24% | +741 bps | |
| Liquid Assets / Assets | 6.88% | 7.83% | 6.79% | 6.65% | 6.71% | 7.27% | 6.33% | 5.50% | -115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |