PackageTrendsPeer
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Arapahoe Bank and Trust

Englewood, CO · Cert 21001

FDIC

Q2 2003

$149.6MAssets
$65.7MLoans
$123.1MDeposits
$16.9MEquity
Loan mix
41%RE $17.0M57%C&I $23.5M3%Consumer $1.1MQ3 2001Q2 2003
Deposit mix
78%Interest-bearing $96.6M22%Noninterest $26.5MQ3 2001Q2 2003

Executive Summary

  • Earnings: ROA of 0.73%, up 53 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 53.39% of deposits as of Q2 2003.

Return on Assets (quarter, annualized)

0.73%+53 bps YoY

Net Interest Margin (quarter, annualized)

3.18%-77 bps YoY

Efficiency Ratio (quarter, annualized)

70.39%+1,088 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.00%Q2 ’015.46%Q2 ’024.29%Q2 ’03-13%-19%

Non-interest income vs. expense

2.88%Q2 ’012.62%Q2 ’022.53%Q2 ’03-9%-2%

Discrete quarter, annualized.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets1.35%0.89%1.16%0.20%0.91%0.90%0.78%0.73%+53 bps
Return on Equity10.90%7.20%9.76%1.75%8.11%8.02%7.18%6.60%+485 bps
Net Interest Margin4.46%4.13%4.07%3.95%3.79%3.79%3.26%3.18%-77 bps
Efficiency Ratio55.99%77.03%59.81%59.51%75.56%70.14%68.62%70.39%+1,088 bps
Non-Interest Burden2.29%3.06%2.22%2.17%2.75%2.52%2.07%2.12%-5 bps
Growth
Asset Growth (YoY)7.45%10.24%11.50%13.28%8.10%10.94%10.53%3.42%-986 bps
Loan Growth (YoY)11.28%11.99%24.86%21.39%14.31%12.24%0.66%-8.88%-3,027 bps
Deposit Growth (YoY)4.81%9.19%17.38%14.53%14.08%17.06%11.02%6.12%-840 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 / Loans0.07%0.16%-0.08%0.01%0.01%0.06%-0.01%0.01%-1 bps
Allowance / Loans0.91%0.95%0.93%0.87%0.92%0.93%0.97%0.99%+12 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/an/an/an/an/a
Total Risk-Based Capital18.56%19.20%18.29%18.05%18.79%19.19%19.80%20.43%+238 bps
Equity / Assets12.42%12.23%11.49%11.04%11.49%11.04%10.69%11.29%+25 bps
Liquidity & Funding
Loans / Deposits59.44%58.06%56.94%62.19%59.56%55.67%51.62%53.39%-879 bps
Liquid Assets / Assets38.77%39.44%33.65%34.92%38.08%30.67%35.31%28.31%-661 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a