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Mancos Valley Bank

Mancos, CO · Cert 19205

FDIC · 2 branches

Q2 2015

$73.6MAssets
$27.2MLoans
$65.7MDeposits
$7.8MEquity
Loan mix
88%RE $14.1M7%C&I $1.2M5%Consumer $0.8MQ3 2013Q2 2015
Deposit mix
81%Interest-bearing $53.3M19%Noninterest $12.4MQ3 2013Q2 2015

Executive Summary

  • Earnings: ROA of 0.64%, down 6 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.95%.
  • Capital: tier 1 leverage ratio of 10.46%.
  • Funding: loans stand at 41.38% of deposits as of Q2 2015.

Return on Assets (YTD, annualized)

0.64%-6 bps YoY

Net Interest Margin (YTD, annualized)

2.46%-25 bps YoY

Efficiency Ratio (YTD, annualized)

106.43%+3,029 bps YoY

Tier 1 Leverage Ratio

10.46%

NIM

3.23%Q2 ’132.98%Q2 ’142.66%Q2 ’15-4%-9%

Non-interest income vs. expense

2.12%Q2 ’132.21%Q2 ’142.79%Q2 ’15+1%+30%

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.70%0.73%0.65%0.70%0.99%0.97%0.60%0.64%-6 bps
Return on Equity6.81%7.00%6.11%6.60%9.38%9.26%5.81%6.16%-44 bps
Net Interest Margin2.75%2.78%2.72%2.71%2.67%2.60%2.67%2.46%-25 bps
Efficiency Ratio74.28%73.61%77.33%76.14%77.26%80.39%78.19%106.43%+3,029 bps
Non-Interest Burden2.00%2.01%2.07%2.01%2.02%2.06%2.07%2.63%+61 bps
Growth
Asset Growth (YoY)-4.85%-5.92%-8.12%-5.17%-3.30%0.63%0.69%1.32%+649 bps
Loan Growth (YoY)-16.81%-11.47%-9.82%-6.19%-5.10%-9.64%-13.88%-12.51%-631 bps
Deposit Growth (YoY)-5.91%-7.06%-8.26%-5.16%-3.13%1.67%0.45%1.22%+638 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 / Loans-0.10%-0.03%-0.11%-0.14%-0.15%-0.17%-1.62%-0.95%-81 bps
Allowance / Loans4.34%4.27%4.39%4.49%4.03%3.82%4.50%3.46%-103 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a10.31%10.46%n/a
Total Risk-Based Capital22.14%22.15%19.75%20.57%19.96%20.21%21.85%22.44%+187 bps
Equity / Assets10.53%11.11%10.21%10.44%10.53%10.26%10.52%10.57%+13 bps
Liquidity & Funding
Loans / Deposits47.32%49.53%48.26%47.88%46.35%44.01%41.38%41.38%-650 bps
Liquid Assets / Assets15.22%9.06%9.30%13.73%12.09%12.70%10.10%11.59%-214 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a