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Colorado National Bank Aspen

Aspen, CO · Cert 20222

FDIC

Q1 1997

$51.0MAssets
$21.6MLoans
$42.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.07%, down 29 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 50.77% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.07%-29 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.65%1.65%1.53%1.36%1.38%1.38%1.26%1.07%-29 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-9.83%-13.55%-4.70%1.34%2.57%0.47%1.10%-2.41%-375 bps
Loan Growth (YoY)-10.73%-6.48%-15.95%-16.44%2.21%1.85%17.76%22.37%+3,880 bps
Deposit Growth (YoY)-12.53%-15.64%-7.68%0.01%1.52%-0.72%0.08%-4.17%-419 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/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/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/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits49.24%49.77%40.85%39.76%49.58%51.06%48.07%50.77%+1,101 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a