Englewood, CO · Cert 90017
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Englewood, CO · Cert 90017
FDIC
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.98% | 2.19% | 3.88% | 7.93% | 7.14% | 7.15% | 5.04% | 4.07% | -385 bps | |
| Return on Equity | 4.06% | 4.64% | 8.05% | 15.20% | 13.18% | 13.03% | 8.64% | 7.00% | -820 bps | |
| Net Interest Margin | 2.11% | 2.16% | 3.80% | 4.46% | 4.14% | 4.47% | 4.87% | 4.45% | -1 bps | |
| Efficiency Ratio | 19.82% | 21.66% | 23.83% | 21.11% | 20.05% | 19.38% | 25.80% | 22.16% | +104 bps | |
| Non-Interest Burden | -1.48% | -1.26% | -2.48% | -3.26% | -2.97% | -3.08% | -2.44% | -2.88% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.36% | -0.67% | -33.54% | -36.89% | -34.44% | -27.19% | 8.15% | 7.27% | +4,416 bps | |
| Loan Growth (YoY) | 8.33% | -30.00% | 200% | 105.26% | 33.33% | 62.86% | 18.52% | -84.62% | -18,988 bps | |
| Deposit Growth (YoY) | -54.28% | 13.89% | 28.22% | 20.32% | 13.25% | 14.78% | 7.66% | 7.42% | -1,289 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 66.89% | 57.21% | 91.71% | 103.33% | 101.72% | 99.70% | 99.01% | 94.56% | -877 bps | |
| Equity / Assets | 47.56% | 40.03% | 60.40% | 61.49% | 60.89% | 57.69% | 58.93% | 57.97% | -352 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.16% | 0.13% | 0.10% | 0.14% | 0.19% | 0.18% | 0.11% | 0.02% | -12 bps | |
| Liquid Assets / Assets | 13.96% | 20.09% | 19.92% | 21.63% | 20.45% | 22.57% | 19.72% | 19.39% | -224 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |