PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rio Grande County Bank, The

Del Norte, CO · Cert 15530

FDIC

Q2 2001

$57.2MAssets
$41.8MLoans
$47.7MDeposits
$7.2MEquity
Loan mix
51%RE $8.4M48%C&I $7.9M0%Consumer $0.0MQ2 2000Q2 2001
Deposit mix
85%Interest-bearing $40.6M15%Noninterest $7.2MQ2 2000Q2 2001

NIM

7.89%Q1 ’017.68%Q2 ’01-2%

Non-interest income vs. expense

3.87%Q1 ’013.64%Q2 ’01-5%

Executive Summary

  • Earnings: ROA of 1.17%, down 3 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 87.60% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

1.17%-3 bps YoY

Net Interest Margin (quarter, annualized)

4.86%

Efficiency Ratio (quarter, annualized)

64.13%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.20%1.24%1.22%1.11%1.17%-3 bps
Return on Equityn/an/an/an/a8.85%n/an/a
Net Interest Marginn/an/an/a4.97%4.86%n/a
Efficiency Ration/an/an/a66.09%64.13%n/a
Non-Interest Burdenn/an/an/a2.98%2.82%n/a
Growth
Asset Growth (YoY)7.86%4.56%11.66%-3.79%3.41%-445 bps
Loan Growth (YoY)28.77%25.97%21.41%10.78%5.35%-2,342 bps
Deposit Growth (YoY)-1.56%3.92%14.88%3.30%9.52%+1,108 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.11%0.08%n/a
Allowance / Loansn/an/an/a1.09%1.05%n/a
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 Capitaln/an/an/a10.45%10.39%n/a
Equity / Assetsn/an/an/a13.97%12.62%n/a
Liquidity & Funding
Loans / Deposits91.07%86.52%87.97%91.48%87.60%-347 bps
Liquid Assets / Assets0.00%0.00%0.00%1.33%1.18%+118 bps
CRE / Total Capitaln/an/an/an/an/an/an/a