Trinidad, CO · Cert 57223
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Trinidad, CO · Cert 57223
FDIC
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.26% | 1.35% | 1.41% | 1.63% | 1.68% | 1.66% | 1.79% | +38 bps | |
| Return on Equity | 18.94% | 16.90% | 17.87% | 17.78% | 20.26% | 20.05% | 19.39% | 18.76% | +98 bps | |
| Net Interest Margin | 4.49% | 4.21% | 4.38% | 5.28% | 5.22% | 5.35% | 5.61% | 5.35% | +6 bps | |
| Efficiency Ratio | 56.36% | 61.64% | 60.01% | 56.78% | 54.75% | 53.97% | 54.94% | 53.67% | -310 bps | |
| Non-Interest Burden | 2.09% | 2.23% | 2.29% | 2.69% | 2.45% | 2.47% | 2.66% | 2.44% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.92% | 32.31% | 16.53% | 12.72% | 14.38% | -1.27% | 1.42% | 2.53% | -1,019 bps | |
| Loan Growth (YoY) | 33.33% | 42.25% | 42.27% | 49.85% | 39.20% | 16.57% | 12.33% | -3.29% | -5,314 bps | |
| Deposit Growth (YoY) | 25.06% | 33.19% | 16.15% | 8.45% | 13.45% | -4.23% | -2.76% | 4.07% | -439 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 | -0.01% | -0.01% | 0.03% | 0.03% | 0.07% | 0.10% | 0.08% | 0.01% | -2 bps | |
| Allowance / Loans | 1.03% | 1.01% | 1.00% | 1.02% | 1.05% | 1.15% | 1.20% | 1.29% | +27 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 | 11.75% | 11.03% | 10.84% | 10.22% | 10.39% | 11.77% | 11.28% | 12.36% | +213 bps | |
| Equity / Assets | 7.53% | 7.47% | 7.78% | 8.13% | 8.21% | 9.40% | 9.42% | 9.71% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.84% | 72.23% | 77.94% | 89.31% | 84.47% | 87.92% | 90.04% | 83.00% | -631 bps | |
| Liquid Assets / Assets | 0.21% | 0.33% | 0.37% | 0.26% | 0.48% | 0.41% | 0.38% | 0.70% | +44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |