PackageTrendsPeer
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Weld County Bank

Evans, CO · Cert 34502

FDIC

Q2 2008

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 2008, the quarter ended June 30, 2008, 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

Weld County Bank

Evans, CO · Cert 34502

FDIC

Q2 2008

$562.6MAssets
$421.3MLoans
$418.5MDeposits
$42.5MEquity
Loan mix
79%RE $275.7M21%C&I $74.1M0%Consumer $0.3MQ2 2007Q2 2008
Deposit mix
92%Interest-bearing $383.6M8%Noninterest $34.9MQ2 2007Q2 2008

NIM

6.88%Q2 ’067.08%Q2 ’075.91%Q2 ’08-12%-35%

Non-interest income vs. expense

2.64%Q2 ’062.60%Q2 ’072.49%Q2 ’08+0%-6%

Executive Summary

  • Earnings: ROA of 0.09%, down 47 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.36%.
  • Funding: loans stand at 100.67% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

0.09%1-47 bps YoY

Net Interest Margin (YTD, annualized)

2.08%-112 bps YoY

Efficiency Ratio (YTD, annualized)

98.00%+2,667 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.57%0.52%0.46%0.29%10.09%1-47 bps
Return on Equity6.81%6.26%5.66%3.76%1.23%-558 bps
Net Interest Margin3.20%3.08%2.86%2.24%2.08%-112 bps
Efficiency Ratio71.33%73.39%75.15%89.29%98.00%+2,667 bps
Non-Interest Burden2.16%2.14%2.04%1.94%2.03%-13 bps
Growth
Asset Growth (YoY)10.32%27.26%22.83%19.61%18.53%+821 bps
Loan Growth (YoY)13.78%17.80%14.22%11.55%6.26%-752 bps
Deposit Growth (YoY)-1.32%21.61%23.21%21.06%21.08%+2,240 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.10%0.05%0.37%0.36%+36 bps
Allowance / Loans1.09%1.03%1.10%1.03%1.03%-6 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 Capital10.14%10.04%10.01%10.10%10.13%-1 bps
Equity / Assets8.41%7.90%7.82%7.75%7.56%-85 bps
Liquidity & Funding
Loans / Deposits114.72%101.17%99.90%98.89%100.67%-1,404 bps
Liquid Assets / Assets4.13%3.90%4.63%3.73%7.89%+376 bps
CRE / Total Capitaln/an/an/an/an/an/an/a