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First National Bank in Walsenburg

Walsenburg, CO · Cert 17836

FDIC

Q2 2001

$53.5MAssets
$38.2MLoans
$42.4MDeposits
$4.5MEquity
Loan mix
39%RE $8.8M61%C&I $13.8M0%Consumer $0.1MQ2 2000Q2 2001
Deposit mix
82%Interest-bearing $34.6M18%Noninterest $7.8MQ2 2000Q2 2001

NIM

7.64%Q1 ’018.04%Q2 ’01+10%

Non-interest income vs. expense

3.14%Q1 ’013.01%Q2 ’01-12%

Executive Summary

  • Earnings: ROA of 1.66%, up 25 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 90.12% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

1.66%+25 bps YoY

Net Interest Margin (quarter, annualized)

4.70%

Efficiency Ratio (quarter, annualized)

53.48%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.41%1.36%1.35%1.19%1.66%+25 bps
Return on Equityn/an/an/an/a19.00%n/an/a
Net Interest Marginn/an/an/a4.28%4.70%n/a
Efficiency Ration/an/an/a62.03%53.48%n/a
Non-Interest Burdenn/an/an/a2.37%2.08%n/a
Growth
Asset Growth (YoY)10.68%14.31%11.02%2.85%13.01%+233 bps
Loan Growth (YoY)34.70%28.60%19.08%25.60%20.77%-1,393 bps
Deposit Growth (YoY)3.39%4.63%5.40%4.61%7.82%+443 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.12%0.00%n/a
Allowance / Loansn/an/an/a0.96%1.06%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/a10.44%11.33%n/a
Equity / Assetsn/an/an/a8.97%8.51%n/a
Liquidity & Funding
Loans / Deposits80.46%79.85%85.51%105.37%90.12%+967 bps
Liquid Assets / Assets0.00%0.00%0.00%0.28%0.26%+26 bps
CRE / Total Capitaln/an/an/an/an/an/an/a