Denver, CO · Cert 91322
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.80% | 0.19% | 0.11% | 0.25% | -63 bps | |
| Return on Equity | 13.26% | 11.15% | 2.53% | 0.78% | 1.18% | -1,208 bps | |
| Net Interest Margin | 3.81% | 3.82% | 3.89% | 1.02% | 1.28% | -253 bps | |
| Efficiency Ratio | 76.06% | 79.63% | 94.64% | 75.36% | 71.79% | -427 bps | |
| Non-Interest Burden | 2.28% | 2.55% | 3.55% | 0.80% | 0.79% | -149 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 |