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Letter portraitLegal landscapeQuarterYTD

Lincoln Trust Company

Englewood, CO · Cert 91324

FDIC

Q4 2004

$383.6MAssets
n/aLoans
$345.0MDeposits
$33.9MEquity
Deposit mix
100%Interest-bearing $345.0M0%Noninterest $0.0MQ1 2003Q4 2004

Executive Summary

  • Earnings: ROA of 1.20%, down 19 bps year over year; NIM at 3.61%.
  • Funding: loans stand at 0.00% of deposits as of Q4 2004.

Return on Assets (quarter, annualized)

1.20%-19 bps YoY

Net Interest Margin (quarter, annualized)

3.61%-37 bps YoY

Efficiency Ratio (quarter, annualized)

63.94%+105 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.68%Q4 ’024.23%Q4 ’033.91%Q4 ’04-7%-9%

Non-interest income vs. expense

3.16%Q4 ’023.69%Q4 ’033.34%Q4 ’04+90%-3%

Discrete quarter, annualized.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets1.70%1.45%1.76%1.39%1.24%1.02%0.86%1.20%-19 bps
Return on Equity17.47%14.11%16.63%13.01%11.72%9.50%7.96%12.34%-67 bps
Net Interest Margin4.01%3.70%3.78%3.98%3.93%4.19%3.61%3.61%-37 bps
Efficiency Ratio54.56%60.66%51.68%62.89%65.57%70.99%73.13%63.94%+105 bps
Non-Interest Burden1.22%1.48%1.03%1.81%1.91%2.47%2.22%1.75%-6 bps
Growth
Asset Growth (YoY)21.38%14.35%11.74%3.27%9.93%7.89%11.22%8.87%+559 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)12.86%12.97%13.57%9.08%9.14%10.68%12.56%15.03%+595 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital43.77%49.05%40.11%41.00%42.59%36.91%26.99%20.36%-2,064 bps
Equity / Assets9.96%10.58%10.60%10.75%10.41%11.13%10.59%8.83%-191 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets93.63%88.91%92.04%92.12%94.24%87.26%75.98%71.02%-2,109 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a