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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 $2.6MQ3 1999Q2 2001

Executive Summary

  • Earnings: ROA of 1.25%, up 15 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.51%.
  • Funding: loans stand at 81.93% of deposits as of Q2 2001.

Return on Assets (quarter, annualized)

1.25%+15 bps YoY

Net Interest Margin (quarter, annualized)

4.87%

Efficiency Ratio (quarter, annualized)

64.25%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.89%Q1 ’018.95%Q2 ’01+24%

Non-interest income vs. expense

3.47%Q1 ’013.51%Q2 ’01+12%

Discrete quarter, annualized.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.50%1.48%1.13%1.10%1.06%0.91%0.74%1.25%+15 bps
Return on Equityn/an/an/an/an/an/an/a13.39%n/an/a
Net Interest Marginn/an/an/an/an/an/a3.92%4.87%n/a
Efficiency Ration/an/an/an/an/an/a72.47%64.25%n/a
Non-Interest Burdenn/an/an/an/an/an/a2.61%2.92%n/a
Growth
Asset Growth (YoY)57.09%53.26%46.98%48.27%19.40%10.87%9.06%8.25%-4,002 bps
Loan Growth (YoY)57.13%69.73%47.05%57.83%29.00%17.45%44.46%40.79%-1,704 bps
Deposit Growth (YoY)62.31%55.09%48.42%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/a0.09%0.51%n/a
Allowance / Loansn/an/an/an/an/an/a1.09%0.89%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/a11.20%10.13%n/a
Equity / Assetsn/an/an/an/an/an/a9.52%9.19%n/a
Liquidity & Funding
Loans / Deposits58.96%65.27%61.48%65.02%65.52%66.59%78.68%81.93%+1,692 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.18%0.17%+17 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a