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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.82% | 0.66% | 0.11% | 0.17% | -64 bps | |
| Return on Equity | 12.17% | 11.83% | 9.44% | 0.78% | 1.07% | -1,110 bps | |
| Net Interest Margin | 3.87% | 3.76% | 3.96% | 1.02% | 1.18% | -270 bps | |
| Efficiency Ratio | 78.41% | 78.82% | 82.75% | 75.36% | 73.20% | -521 bps | |
| Non-Interest Burden | 2.49% | 2.45% | 2.83% | 0.80% | 0.81% | -168 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -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 |
| Deposit Growth (YoY) | -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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 14.35% | 17.89% | 15.75% | 12.06% | 13.20% | -115 bps | |
| Equity / Assets | 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 bps | |
| Liquid Assets / Assets | 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 |