PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Minnequa Bank of Pueblo, The

Pueblo, CO · Cert 1773

FDIC

Q3 2001

$336.4MAssets
$197.1MLoans
$309.4MDeposits
$23.6MEquity
Loan mix
71%RE $59.5M28%C&I $23.2M1%Consumer $1.1MQ3 2000Q3 2001
Deposit mix
82%Interest-bearing $254.4M18%Noninterest $55.0MQ3 2000Q3 2001

NIM

7.92%Q1 ’017.74%Q2 ’017.11%Q3 ’01+1%-8%

Non-interest income vs. expense

4.30%Q1 ’015.19%Q2 ’015.37%Q3 ’01+27%+4%

Executive Summary

  • Earnings: ROA of 0.11%, down 85 bps year over year; NIM at 4.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.26%.
  • Funding: loans stand at 63.72% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

0.11%-85 bps YoY

Net Interest Margin (quarter, annualized)

4.56%

Efficiency Ratio (quarter, annualized)

94.20%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.96%0.98%0.99%0.51%0.11%-85 bps
Return on Equityn/an/an/a6.91%1.49%n/a
Net Interest Marginn/an/a4.91%4.95%4.56%n/a
Efficiency Ration/an/a71.62%85.64%94.20%n/a
Non-Interest Burdenn/an/a3.20%4.08%4.23%n/a
Growth
Asset Growth (YoY)-2.78%4.04%3.36%3.48%10.81%+1,359 bps
Loan Growth (YoY)-5.23%-3.87%-0.63%-0.26%-2.52%+271 bps
Deposit Growth (YoY)-3.62%3.41%2.39%2.66%10.46%+1,408 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.25%0.09%0.26%n/a
Allowance / Loansn/an/a1.49%1.52%1.62%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/a12.28%11.96%11.91%n/a
Equity / Assetsn/an/a7.48%7.37%7.03%n/a
Liquidity & Funding
Loans / Deposits72.20%67.56%69.45%69.02%63.72%-848 bps
Liquid Assets / Assets0.00%0.00%0.05%0.19%0.08%+8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a