Imboden, AR · Cert 20928
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Imboden, AR · Cert 20928
FDIC
Q1 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.27% | 1.09% | 0.73% | 1.09% | 1.09% | 1.14% | 1.35% | +61 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 17.29% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.26% | 3.38% | 3.65% | 3.81% | 4.06% | +80 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 59.57% | 57.39% | 55.35% | 54.80% | 44.49% | -1,509 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 1.65% | 1.69% | 1.76% | 1.81% | 1.52% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.39% | 13.74% | 14.66% | 18.35% | 17.89% | 3.71% | 6.10% | 3.55% | -1,480 bps | |
| Loan Growth (YoY) | 14.19% | 17.47% | 25.04% | 23.14% | 19.83% | 14.22% | 9.60% | 6.09% | -1,705 bps | |
| Deposit Growth (YoY) | 5.53% | 9.95% | 10.87% | 14.76% | 14.59% | 6.38% | 7.86% | 6.16% | -860 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 | 0.64% | 0.30% | 0.26% | 0.26% | 0.23% | -41 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.24% | 1.16% | 1.14% | 1.23% | 1.31% | +7 bps | |
| 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 | 8.87% | 11.11% | 11.47% | 11.87% | 11.29% | +242 bps | |
| Equity / Assets | n/a | n/a | n/a | 7.17% | 7.19% | 7.95% | 8.32% | 7.26% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.50% | 78.91% | 78.37% | 75.59% | 78.95% | 84.72% | 79.63% | 75.54% | -5 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.74% | 0.72% | 0.78% | 0.44% | 0.43% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |