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Signature Bank

Windsor, CO · Cert 57835

FDIC

Q2 2011

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 2011, the quarter ended June 30, 2011, 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 2026-10-10

Signature Bank

Windsor, CO · Cert 57835

FDIC

Q2 2011

$62.5MAssets
$49.2MLoans
$60.3MDeposits
$1.6MEquity
Loan mix
66%RE $29.0M29%C&I $12.7M5%Consumer $2.1MQ2 2010Q2 2011
Deposit mix
93%Interest-bearing $55.9M7%Noninterest $4.5MQ2 2010Q2 2011

NIM

4.58%Q2 ’094.54%Q2 ’104.56%Q2 ’11+40%+14%

Non-interest income vs. expense

2.01%Q2 ’093.11%Q2 ’103.63%Q2 ’11+61%+57%

Executive Summary

  • Earnings: ROA of -5.11%, down 514 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.05%.
  • Funding: loans stand at 81.55% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-5.11%-514 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+41 bps YoY

Efficiency Ratio (YTD, annualized)

149.30%+5,011 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets0.03%0.08%1-1.01%-10.41%-5.11%-514 bps
Return on Equity0.50%1.56%-19.84%-299%-161.50%-16,200 bps
Net Interest Margin2.89%3.05%3.13%2.84%3.30%+41 bps
Efficiency Ratio99.19%96.29%94.71%289%149.30%+5,011 bps
Non-Interest Burden2.87%2.93%2.95%5.13%4.50%+163 bps
Growth
Asset Growth (YoY)-22.98%-22.35%-7.55%-19.39%-18.41%+457 bps
Loan Growth (YoY)-19.21%-19.26%-20.23%-13.43%-13.36%+585 bps
Deposit Growth (YoY)-21.14%-20.71%-7.15%-17.30%-16.12%+502 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.87%4.48%4.97%4.62%4.05%-182 bps
Allowance / Loans3.83%3.84%4.19%5.80%5.30%+147 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 Capital7.47%8.05%6.87%3.86%4.16%-331 bps
Equity / Assets5.25%5.88%4.58%2.28%2.48%-277 bps
Liquidity & Funding
Loans / Deposits78.96%82.75%76.66%80.21%81.55%+260 bps
Liquid Assets / Assets3.99%3.53%8.26%3.01%4.81%+82 bps
CRE / Total Capitaln/an/an/an/an/an/an/a