Denver, CO · Cert 91322
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Denver, CO · Cert 91322
FDIC
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.88% | 0.74% | 0.81% | 0.82% | 0.66% | 0.11% | 0.17% | -64 bps | |
| Return on Equity | 9.29% | 9.73% | 11.07% | 12.17% | 11.83% | 9.44% | 0.78% | 1.07% | -1,110 bps | |
| Net Interest Margin | 3.90% | 4.21% | 3.81% | 3.87% | 3.76% | 3.96% | 1.02% | 1.18% | -270 bps | |
| Efficiency Ratio | 77.16% | 77.25% | 80.75% | 78.41% | 78.82% | 82.75% | 75.36% | 73.20% | -521 bps | |
| Non-Interest Burden | 2.50% | 2.69% | 2.62% | 2.49% | 2.45% | 2.83% | 0.80% | 0.81% | -168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.79% | -3.96% | 1.90% | -10.42% | -4.69% | -1.85% | -25.91% | -27.45% | -1,704 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | -9.59% | -0.75% | 14.54% | -2.39% | 5.30% | 6.85% | -37.36% | -38.51% | -3,612 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 27.47% | 16.13% | 16.74% | 14.35% | 17.89% | 15.75% | 12.06% | 13.20% | -115 bps | |
| Equity / Assets | 9.98% | 6.72% | 6.61% | 6.64% | 7.82% | 7.53% | 21.50% | 21.43% | +1,479 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 81.48% | 77.82% | 72.28% | 67.72% | 74.73% | 69.77% | 0.00% | 0.00% | -6,772 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |