Evans, CO · Cert 34502
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Evans, CO · Cert 34502
FDIC
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.64% | 0.59% | 0.57% | 0.52% | 0.46% | 0.29%1 | 0.09%1 | -47 bps | |
| Return on Equity | 8.72% | 7.62% | 7.07% | 6.81% | 6.26% | 5.66% | 3.76% | 1.23% | -558 bps | |
| Net Interest Margin | 3.57% | 3.47% | 3.28% | 3.20% | 3.08% | 2.86% | 2.24% | 2.08% | -112 bps | |
| Efficiency Ratio | 66.37% | 69.57% | 70.09% | 71.33% | 73.39% | 75.15% | 89.29% | 98.00% | +2,667 bps | |
| Non-Interest Burden | 2.20% | 2.27% | 2.17% | 2.16% | 2.14% | 2.04% | 1.94% | 2.03% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.89% | 10.99% | 14.03% | 10.32% | 27.26% | 22.83% | 19.61% | 18.53% | +821 bps | |
| Loan Growth (YoY) | 13.63% | 17.50% | 13.02% | 13.78% | 17.80% | 14.22% | 11.55% | 6.26% | -752 bps | |
| Deposit Growth (YoY) | -5.20% | 2.31% | 7.13% | -1.32% | 21.61% | 23.21% | 21.06% | 21.08% | +2,240 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% | 0.20% | -0.08% | 0.00% | 0.10% | 0.05% | 0.37% | 0.36% | +36 bps | |
| Allowance / Loans | 1.20% | 1.02% | 1.08% | 1.09% | 1.03% | 1.10% | 1.03% | 1.03% | -6 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 | 10.17% | 10.01% | 10.05% | 10.14% | 10.04% | 10.01% | 10.10% | 10.13% | -1 bps | |
| Equity / Assets | 8.53% | 8.45% | 8.24% | 8.41% | 7.90% | 7.82% | 7.75% | 7.56% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.44% | 107.76% | 107.32% | 114.72% | 101.17% | 99.90% | 98.89% | 100.67% | -1,404 bps | |
| Liquid Assets / Assets | 3.31% | 3.43% | 3.68% | 4.13% | 3.90% | 4.63% | 3.73% | 7.89% | +376 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |