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Letter portraitLegal landscapeQuarterYTD

Bank of Monte Vista

Monte Vista, CO · Cert 15556

FDIC

Q2 2002

$75.8MAssets
$28.2MLoans
$64.1MDeposits
$8.5MEquity
Loan mix
59%RE $6.7M41%C&I $4.7M0%Consumer $0.0MQ2 2001Q2 2002
Deposit mix
79%Interest-bearing $50.9M21%Noninterest $13.2MQ2 2001Q2 2002

NIM

7.35%Q1 ’016.84%Q2 ’015.22%Q2 ’02-7%-13%

Non-interest income vs. expense

3.77%Q1 ’014.88%Q2 ’013.72%Q2 ’02+32%-25%

Executive Summary

  • Earnings: ROA of 1.03%, up 127 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 43.98% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

1.03%+127 bps YoY

Net Interest Margin (quarter, annualized)

3.61%-54 bps YoY

Efficiency Ratio (quarter, annualized)

93.60%-1,319 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets-0.24%0.69%0.96%0.96%1.03%+127 bps
Return on Equity-1.80%5.11%7.39%7.79%8.83%+1,063 bps
Net Interest Margin4.15%4.26%4.21%3.95%3.61%-54 bps
Efficiency Ratio106.80%88.08%83.99%75.82%93.60%-1,319 bps
Non-Interest Burden4.47%3.71%3.47%2.92%3.36%-111 bps
Growth
Asset Growth (YoY)3.64%-1.08%9.15%8.79%20.93%+1,730 bps
Loan Growth (YoY)-1.29%-2.02%-8.64%-20.92%-18.66%-1,737 bps
Deposit Growth (YoY)4.93%-0.57%10.03%10.56%23.82%+1,889 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%-0.52%0.19%-0.03%0.00%-8 bps
Allowance / Loans2.68%2.69%2.59%2.97%2.16%-51 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 Capital19.77%19.83%21.55%20.36%20.56%+79 bps
Equity / Assets13.35%13.71%12.40%12.13%11.22%-213 bps
Liquidity & Funding
Loans / Deposits66.94%69.30%57.24%47.03%43.98%-2,296 bps
Liquid Assets / Assets20.20%19.68%21.49%32.37%36.58%+1,638 bps
CRE / Total Capitaln/an/an/an/an/an/an/a