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New West Bank

Greeley, CO · Cert 57508

FDIC

Q1 2013

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: Q1 2013, the quarter ended March 31, 2013, 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

New West Bank

Greeley, CO · Cert 57508

FDIC

Q1 2013

$175.2MAssets
$86.1MLoans
$159.3MDeposits
$15.6MEquity
Loan mix
77%RE $57.5M22%C&I $16.4M1%Consumer $0.6MQ1 2012Q1 2013
Deposit mix
79%Interest-bearing $125.9M21%Noninterest $33.3MQ1 2012Q1 2013

NIM

4.69%Q1 ’114.57%Q1 ’123.59%Q1 ’13+7%-19%

Non-interest income vs. expense

2.76%Q1 ’112.90%Q1 ’122.72%Q1 ’13+16%-14%

Executive Summary

  • Earnings: ROA of 3.90%, up 282 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 54.04% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

3.90%1+282 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-76 bps YoY

Efficiency Ratio (YTD, annualized)

80.15%+660 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets1.08%1.01%1.02%0.99%3.90%1+282 bps
Return on Equity11.91%11.06%11.16%10.93%44.03%+3,212 bps
Net Interest Margin3.94%3.97%3.83%3.75%3.17%-76 bps
Efficiency Ratio73.55%72.17%73.76%74.23%80.15%+660 bps
Non-Interest Burden2.89%2.83%2.78%2.74%2.50%-39 bps
Growth
Asset Growth (YoY)9.35%0.81%8.72%9.20%7.31%-204 bps
Loan Growth (YoY)1.50%0.14%0.89%3.18%6.38%+489 bps
Deposit Growth (YoY)11.15%2.35%10.23%11.05%7.72%-343 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.03%0.62%0.45%0.17%+20 bps
Allowance / Loans1.51%1.77%1.35%1.31%1.27%-25 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 Capital15.11%15.42%15.26%15.24%15.96%+85 bps
Equity / Assets9.10%9.31%9.10%8.80%8.91%-20 bps
Liquidity & Funding
Loans / Deposits54.72%55.95%53.43%52.77%54.04%-68 bps
Liquid Assets / Assets0.36%0.30%0.32%0.40%0.45%+9 bps
CRE / Total Capitaln/an/an/an/an/an/an/a