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Colorado State Bank of Walsh

Walsh, CO · Cert 11264

FDIC

Q3 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Colorado State Bank of Walsh

Walsh, CO · Cert 11264

FDIC

Q3 2013

$44.0MAssets
$14.2MLoans
$37.7MDeposits
$6.3MEquity
Loan mix
86%RE $6.4M8%C&I $0.6M6%Consumer $0.4MQ3 2012Q3 2013
Deposit mix
83%Interest-bearing $31.1M17%Noninterest $6.6MQ3 2012Q3 2013

NIM

4.06%Q3 ’113.33%Q3 ’123.11%Q3 ’13-13%-2%

Non-interest income vs. expense

2.14%Q3 ’111.93%Q3 ’122.37%Q3 ’13-10%+25%

Executive Summary

  • Earnings: ROA of 0.57%, down 27 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.13%.
  • Funding: loans stand at 37.65% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.57%-27 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-6 bps YoY

Efficiency Ratio (YTD, annualized)

82.05%+1,672 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.83%0.81%0.75%0.80%0.57%-27 bps
Return on Equity5.77%5.57%5.11%5.62%3.97%-180 bps
Net Interest Margin2.84%2.75%2.75%2.81%2.79%-6 bps
Efficiency Ratio65.33%66.72%69.25%66.51%82.05%+1,672 bps
Non-Interest Burden1.82%1.80%1.87%1.83%2.27%+45 bps
Growth
Asset Growth (YoY)11.13%4.21%-1.84%6.66%-2.02%-1,315 bps
Loan Growth (YoY)-6.48%0.22%7.54%-5.78%-7.51%-103 bps
Deposit Growth (YoY)12.64%4.56%-2.32%8.63%-1.53%-1,417 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.10%-0.09%-0.13%-12 bps
Allowance / Loans1.58%1.51%1.57%1.65%1.81%+23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital28.28%28.35%29.55%28.34%32.93%+465 bps
Equity / Assets14.31%14.49%14.70%13.79%14.27%-4 bps
Liquidity & Funding
Loans / Deposits40.09%42.43%42.42%38.60%37.65%-243 bps
Liquid Assets / Assets10.48%11.71%11.93%11.99%11.61%+113 bps
CRE / Total Capitaln/an/an/an/an/an/an/a