Louisville, CO · Cert 90579
FDIC
Q4 2006
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 | 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% | 0.57% | 0.47% | 0.41% | 0.45% | 0.49% | 0.02%1 | -0.07% | -48 bps | |
| Return on Equity | 9.06% | 7.64% | 6.30% | 5.49% | 5.95% | 6.41% | 0.27% | -0.88% | -637 bps | |
| Net Interest Margin | 4.05% | 4.01% | 3.94% | 3.94% | 3.80% | 3.92% | 3.94% | 4.05% | +11 bps | |
| Efficiency Ratio | 82.23% | 83.31% | 84.61% | 86.50% | 85.59% | 82.97% | 97.46% | 93.61% | +711 bps | |
| Non-Interest Burden | 3.21% | 3.21% | 3.23% | 3.33% | 3.14% | 3.12% | 3.84% | 3.78% | +45 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% | 0.26% | 0.39% | 0.44% | 0.27% | 0.41% | 0.42% | 0.47% | +3 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 |