Louisville, CO · Cert 90579
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.46% | 0.28% | 0.23% | 0.45% | 0.52% | -0.92% | -0.34% | -57 bps | |
| Return on Equity | 9.06% | 6.28% | 3.78% | 3.10% | 5.95% | 6.85% | -12.01% | -4.36% | -746 bps | |
| Net Interest Margin | 4.05% | 4.06% | 4.09% | 4.07% | 3.80% | 4.00% | 4.00% | 4.11% | +3 bps | |
| Efficiency Ratio | 82.23% | 84.33% | 87.27% | 92.47% | 85.59% | 80.43% | 151.45% | 83.78% | -868 bps | |
| Non-Interest Burden | 3.21% | 3.29% | 3.51% | 3.75% | 3.14% | 3.07% | 5.30% | 3.33% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.20% | 12.73% | 11.19% | 8.86% | 3.74% | 2.22% | -1.85% | -4.67% | -1,353 bps | |
| Loan Growth (YoY) | 5.13% | 10.47% | 9.98% | 12.13% | 7.06% | 5.42% | 1.41% | -3.54% | -1,567 bps | |
| Deposit Growth (YoY) | 7.67% | 3.72% | -0.14% | 2.53% | 8.15% | 10.08% | 9.19% | 5.09% | +257 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 | 0.52% | 0.01% | 0.67% | 0.59% | 0.27% | 0.56% | 0.44% | 0.53% | -6 bps | |
| Allowance / Loans | 1.15% | 1.18% | 1.06% | 0.95% | 0.97% | 0.90% | 0.89% | 1.30% | +35 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 | 10.21% | 10.09% | 10.16% | 10.18% | 10.38% | 10.33% | 10.15% | 10.75% | +57 bps | |
| Equity / Assets | 7.28% | 7.34% | 7.42% | 7.48% | 7.68% | 7.64% | 7.65% | 7.89% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.98% | 90.82% | 94.99% | 92.15% | 87.09% | 86.97% | 88.21% | 84.58% | -757 bps | |
| Liquid Assets / Assets | 0.18% | 0.18% | 0.17% | 0.17% | 0.17% | 0.17% | 0.17% | 0.18% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |