Del Norte, CO · Cert 15530
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Del Norte, CO · Cert 15530
FDIC
Q2 2001
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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.90% | 1.21% | 1.20% | 1.24% | 1.22% | 1.11% | 1.13% | -8 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.97% | 4.77% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 66.09% | 65.09% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 2.98% | 2.81% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.44% | -1.17% | 8.05% | 7.86% | 4.56% | 11.66% | -3.79% | 3.41% | -445 bps | |
| Loan Growth (YoY) | 0.88% | 7.90% | 21.35% | 28.77% | 25.97% | 21.41% | 10.78% | 5.35% | -2,342 bps | |
| Deposit Growth (YoY) | 5.58% | -4.41% | 0.81% | -1.56% | 3.92% | 14.88% | 3.30% | 9.52% | +1,108 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 | n/a | n/a | n/a | n/a | n/a | n/a | 0.11% | 0.09% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 1.09% | 1.05% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | 10.45% | 10.39% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 13.97% | 12.62% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.38% | 83.23% | 85.30% | 91.07% | 86.52% | 87.97% | 91.48% | 87.60% | -347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.33% | 1.18% | +118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |