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Community Bank-Dove Creek

Dove Creek, CO · Cert 16758

FDIC

Q2 2001

$32.1MAssets
$23.7MLoans
$29.0MDeposits
$2.9MEquity
Deposit mix
91%Interest-bearing $26.3M9%Noninterest $2.6MQ2 2000Q2 2001

NIM

7.89%Q1 ’018.63%Q2 ’01+15%

Non-interest income vs. expense

3.47%Q1 ’013.58%Q2 ’01+9%

Executive Summary

  • Earnings: ROA of 0.99%, down 11 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.30%.
  • Funding: loans stand at 81.93% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.99%-11 bps YoY

Net Interest Margin (YTD, annualized)

4.50%

Efficiency Ratio (YTD, annualized)

68.19%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.10%1.06%0.91%0.74%0.99%-11 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.92%4.50%n/a
Efficiency Ration/an/an/a72.47%68.19%n/a
Non-Interest Burdenn/an/an/a2.61%2.83%n/a
Growth
Asset Growth (YoY)48.27%19.40%10.87%9.06%8.25%-4,002 bps
Loan Growth (YoY)57.83%29.00%17.45%44.46%40.79%-1,704 bps
Deposit Growth (YoY)52.46%16.08%15.12%12.87%11.72%-4,074 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.09%0.30%n/a
Allowance / Loansn/an/an/a1.09%0.89%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/a11.20%10.13%n/a
Equity / Assetsn/an/an/a9.52%9.19%n/a
Liquidity & Funding
Loans / Deposits65.02%65.52%66.59%78.68%81.93%+1,692 bps
Liquid Assets / Assets0.00%0.00%0.00%0.18%0.17%+17 bps
CRE / Total Capitaln/an/an/an/an/an/an/a