Minnequa Bank of Pueblo, The

Pueblo, CO · Cert 1773

FDIC

Q3 2001

$336.4MAssets

$197.1MLoans

$309.4MDeposits

$23.6MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.53%, down 43 bps year over year; NIM at 4.62%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
Funding: loans stand at 63.72% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.53%-43 bps YoY

Net Interest Margin (YTD, annualized)

4.62%

Efficiency Ratio (YTD, annualized)

83.91%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	0.82%	1.03%	0.96%	0.96%	0.98%	0.99%	0.75%	0.53%	-43 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.91%	4.87%	4.62%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	71.62%	78.75%	83.91%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	3.20%	3.61%	3.70%	n/a
Growth
Asset Growth (YoY)	-5.82%	-6.28%	-1.86%	-2.78%	4.04%	3.36%	3.48%	10.81%	+1,359 bps
Loan Growth (YoY)	-6.06%	-2.87%	-5.39%	-5.23%	-3.87%	-0.63%	-0.26%	-2.52%	+271 bps
Deposit Growth (YoY)	-6.64%	-7.17%	-2.12%	-3.62%	3.41%	2.39%	2.66%	10.46%	+1,408 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	n/a	n/a	n/a	n/a	n/a	0.25%	0.17%	0.20%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.49%	1.52%	1.62%	n/a
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	n/a	n/a	n/a	n/a	n/a	12.28%	11.96%	11.91%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	7.48%	7.37%	7.03%	n/a
Liquidity & Funding
Loans / Deposits	72.68%	71.57%	71.04%	72.20%	67.56%	69.45%	69.02%	63.72%	-848 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.05%	0.19%	0.08%	+8 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a