Monte Vista, CO · Cert 15556
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Monte Vista, CO · Cert 15556
FDIC
Q2 2002
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 0.98% | 0.50% | 0.13% | 0.32% | 0.48% | 0.96% | 0.99% | +86 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 7.79% | 8.30% | n/a | |
| Net Interest Margin | n/a | n/a | 4.44% | 4.25% | 4.25% | 4.21% | 3.95% | 3.68% | -58 bps | |
| Efficiency Ratio | n/a | n/a | 77.99% | 92.16% | 90.79% | 89.09% | 75.82% | 84.66% | -750 bps | |
| Non-Interest Burden | n/a | n/a | 3.38% | 3.89% | 3.82% | 3.71% | 2.92% | 3.06% | -82 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.90% | 1.68% | 0.71% | 3.64% | -1.08% | 9.15% | 8.79% | 20.93% | +1,730 bps | |
| Loan Growth (YoY) | 3.06% | 3.54% | 2.96% | -1.29% | -2.02% | -8.64% | -20.92% | -18.66% | -1,737 bps | |
| Deposit Growth (YoY) | 1.53% | 2.48% | 3.19% | 4.93% | -0.57% | 10.03% | 10.56% | 23.82% | +1,889 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 | 0.65% | 0.36% | 0.06% | 0.10% | -0.03% | -0.01% | -38 bps | |
| Allowance / Loans | n/a | n/a | 2.53% | 2.68% | 2.69% | 2.59% | 2.97% | 2.16% | -51 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 | n/a | n/a | 20.21% | 19.77% | 19.83% | 21.55% | 20.36% | 20.56% | +79 bps | |
| Equity / Assets | n/a | n/a | 13.46% | 13.35% | 13.71% | 12.40% | 12.13% | 11.22% | -213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.33% | 68.94% | 65.76% | 66.94% | 69.30% | 57.24% | 47.03% | 43.98% | -2,296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 20.02% | 20.20% | 19.68% | 21.49% | 32.37% | 36.58% | +1,638 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |