Haxtun, CO · Cert 16124
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.19% | 1.31% | 1.07% | 1.74% | 1.61% | -2.72% | 0.15% | -92 bps | |
| Return on Equity | 19.36% | 10.45% | 11.54% | 9.16% | 14.66% | 13.66% | -23.39% | 1.41% | -775 bps | |
| Net Interest Margin | 3.89% | 3.95% | 3.98% | 3.87% | 4.08% | 3.68% | 3.99% | -9.49% | -1,336 bps | |
| Efficiency Ratio | 55.59% | 62.73% | 69.86% | 74.34% | 59.85% | 59.69% | 53.11% | 59.66% | -1,468 bps | |
| Non-Interest Burden | 1.68% | 2.36% | 2.69% | 2.80% | 2.31% | 2.09% | 1.97% | -5.08% | -788 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% | 0.00% | 0.00% | -0.09% | 0.00% | 0.00% | 4.73% | -4.42% | -433 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 |