Greeley, CO · Cert 34307
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Greeley, CO · Cert 34307
FDIC
Q2 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.94% | 0.60% | 0.76% | 0.73% | 0.62% | 0.29% | 0.45% | -31 bps | |
| Return on Equity | 11.91% | 11.25% | 7.30% | 9.25% | 8.92% | 7.60% | 3.67% | 5.64% | -361 bps | |
| Net Interest Margin | 3.39% | 3.33% | 3.06% | 2.95% | 2.89% | 2.81% | 2.63% | 2.63% | -32 bps | |
| Efficiency Ratio | 79.89% | 80.81% | 89.15% | 85.35% | 85.85% | 88.09% | 95.91% | 90.84% | +549 bps | |
| Non-Interest Burden | 2.33% | 2.32% | 2.53% | 2.21% | 2.18% | 2.23% | 2.44% | 2.19% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.76% | 0.47% | 1.82% | 4.61% | 5.57% | 3.48% | 0.69% | 5.11% | +50 bps | |
| Loan Growth (YoY) | 8.39% | 10.43% | 10.22% | 15.57% | 15.43% | 16.00% | 12.86% | 17.46% | +189 bps | |
| Deposit Growth (YoY) | 22.16% | 12.04% | 12.72% | 16.14% | 7.48% | 5.66% | 3.90% | -0.54% | -1,669 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 | 0.13% | 0.14% | 0.12% | 0.12% | 0.10% | 0.11% | 0.06% | 0.16% | +4 bps | |
| Allowance / Loans | 0.90% | 0.92% | 0.93% | 0.91% | 0.91% | 0.94% | 1.03% | 1.01% | +11 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 | 17.72% | 17.39% | 16.80% | 16.85% | 16.64% | 15.87% | 16.14% | 15.17% | -168 bps | |
| Equity / Assets | 8.46% | 8.22% | 8.16% | 8.13% | 8.16% | 7.87% | 8.09% | 7.71% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.05% | 60.45% | 61.31% | 61.52% | 63.42% | 66.37% | 66.60% | 72.66% | +1,114 bps | |
| Liquid Assets / Assets | 16.18% | 15.84% | 15.68% | 15.24% | 14.91% | 14.70% | 14.88% | 13.97% | -127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |