Haxtun, CO · Cert 16124
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Haxtun, CO · Cert 16124
FDIC
Q4 2003
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.20% | 1.69% | 1.56% | 1.45% | 1.74% | 1.68% | 0.22% | 0.21% | -124 bps | |
| Return on Equity | 19.36% | 14.91% | 13.75% | 12.61% | 14.66% | 14.20% | 1.88% | 1.80% | -1,081 bps | |
| Net Interest Margin | 3.89% | 3.89% | 3.84% | 3.93% | 4.08% | 3.77% | 3.94% | 0.66% | -327 bps | |
| Efficiency Ratio | 55.59% | 58.90% | 62.47% | 65.25% | 59.85% | 59.77% | 57.52% | 53.98% | -1,127 bps | |
| Non-Interest Burden | 1.68% | 2.00% | 2.19% | 2.39% | 2.31% | 2.14% | 2.13% | 0.37% | -202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.07% | 8.80% | 6.10% | -1.82% | 2.09% | -0.21% | -5.33% | -6.57% | -475 bps | |
| Loan Growth (YoY) | 5.25% | 4.44% | 0.22% | 5.23% | -0.67% | 1.72% | 2.91% | 2.88% | -236 bps | |
| Deposit Growth (YoY) | 2.94% | 9.63% | 6.31% | -2.58% | 2.18% | -0.83% | -4.85% | -3.84% | -126 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 | -0.80% | -0.38% | -0.26% | -0.21% | 0.00% | 0.00% | 1.58% | 0.02% | +23 bps | |
| Allowance / Loans | 1.59% | 1.68% | 1.68% | 1.62% | 1.78% | 1.68% | 2.17% | 2.06% | +44 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 | 16.87% | 16.24% | 16.26% | 15.72% | 17.25% | 16.61% | 15.91% | 10.24% | -548 bps | |
| Equity / Assets | 11.52% | 11.20% | 11.49% | 11.89% | 11.82% | 11.75% | 11.54% | 9.70% | -220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.75% | 75.06% | 75.24% | 83.21% | 72.67% | 76.98% | 81.37% | 89.02% | +581 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |