PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greenhorn Valley Bank

Colorado City, CO · Cert 22468

FDIC

Q2 1997

$11.2MAssets
$6.7MLoans
$10.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.30%, up 10 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 65.92% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.30%+10 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.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets1.14%1.15%1.37%1.20%1.23%0.90%1.62%1.30%+10 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)2.05%11.72%12.96%15.37%20.33%14.70%5.90%8.31%-706 bps
Loan Growth (YoY)21.29%26.70%27.23%18.95%22.45%8.24%5.10%4.53%-1,442 bps
Deposit Growth (YoY)0.75%12.98%12.25%15.30%21.09%15.28%5.53%8.22%-707 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 / Deposits69.75%73.66%71.40%68.24%70.53%69.16%71.11%65.92%-233 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