Fort Morgan, CO · Cert 9215
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.68% | 1.89% | 2.48% | 1.17% | 1.64% | 2.00% | 0.80% | -168 bps | |
| Return on Equity | 9.64% | 11.10% | 12.26% | 16.13% | 7.57% | 10.44% | 12.18% | 4.80% | -1,134 bps | |
| Net Interest Margin | 3.66% | 3.56% | 3.73% | 3.68% | 3.62% | 3.39% | 3.46% | 3.54% | -14 bps | |
| Efficiency Ratio | 70.20% | 58.73% | 56.29% | 58.64% | 72.58% | 59.00% | 62.14% | 73.77% | +1,513 bps | |
| Non-Interest Burden | 2.39% | 1.88% | 1.88% | 1.95% | 2.46% | 1.77% | 1.94% | 2.47% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.49% | -6.24% | -0.83% | 2.76% | 5.52% | 5.04% | 0.29% | -7.11% | -987 bps | |
| Loan Growth (YoY) | -6.91% | -8.75% | -2.13% | 3.74% | 3.41% | 8.62% | 7.82% | 8.70% | +495 bps | |
| Deposit Growth (YoY) | -4.37% | -6.60% | 1.26% | 11.34% | 9.22% | 6.91% | 2.10% | -6.85% | -1,819 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 | -0.08% | 0.24% | 0.63% | -0.10% | -0.09% | -0.11% | -0.08% | 0.58% | +68 bps | |
| Allowance / Loans | 2.12% | 2.12% | 1.85% | 1.43% | 1.50% | 1.49% | 1.22% | 1.15% | -29 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 | 30.43% | 31.63% | 30.03% | 29.74% | 29.25% | 29.63% | 29.08% | 27.62% | -211 bps | |
| Equity / Assets | 14.69% | 15.66% | 15.12% | 15.65% | 15.24% | 16.20% | 16.58% | 16.83% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.15% | 56.34% | 59.87% | 59.42% | 56.00% | 57.24% | 63.22% | 69.34% | +991 bps | |
| Liquid Assets / Assets | 8.11% | 8.27% | 8.27% | 7.98% | 7.67% | 0.26% | 0.25% | 0.25% | -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 |