Evans, CO · Cert 34502
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.39% | 0.59% | 0.55% | 0.43% | 0.31% | 0.29%1 | -0.10% | -65 bps | |
| Return on Equity | 7.04% | 4.55% | 7.07% | 6.57% | 5.26% | 3.94% | 3.76% | -1.31% | -788 bps | |
| Net Interest Margin | 3.54% | 3.39% | 3.28% | 3.25% | 3.17% | 2.81% | 2.24% | 1.99% | -126 bps | |
| Efficiency Ratio | 71.98% | 79.70% | 70.09% | 72.53% | 77.30% | 80.50% | 89.29% | 107.92% | +3,538 bps | |
| Non-Interest Burden | 2.40% | 2.62% | 2.17% | 2.23% | 2.34% | 2.18% | 1.94% | 2.18% | -6 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 | 0.05% | 0.80% | -0.08% | 0.08% | 0.29% | -0.09% | 0.37% | 0.33% | +26 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 |