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Bank of Laramie, National Association

Laramie, WY · Cert 23277

FDIC

Q1 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2003, the quarter ended March 31, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Laramie, National Association

Laramie, WY · Cert 23277

FDIC

Q1 2003

$39.7MAssets
$28.3MLoans
$35.5MDeposits
$3.9MEquity
Loan mix
62%RE $10.1M38%C&I $6.2M0%Consumer $0.1MQ1 2002Q1 2003
Deposit mix
83%Interest-bearing $29.6M17%Noninterest $5.9MQ1 2002Q1 2003

NIM

7.67%Q1 ’016.57%Q1 ’025.90%Q1 ’03+10%+0%

Non-interest income vs. expense

3.68%Q1 ’013.71%Q1 ’023.76%Q1 ’03-7%0%

Executive Summary

  • Earnings: ROA of 1.60%, up 143 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 79.88% of deposits as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

1.60%+143 bps YoY

Net Interest Margin (YTD, annualized)

4.53%0 bps YoY

Efficiency Ratio (YTD, annualized)

69.48%+13 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets0.17%1.09%1.34%1.53%1.60%+143 bps
Return on Equity2.27%13.71%16.51%18.29%16.75%+1,448 bps
Net Interest Margin4.52%4.73%4.58%4.57%4.53%0 bps
Efficiency Ratio69.35%69.98%69.00%69.02%69.48%+13 bps
Non-Interest Burden2.89%3.07%2.89%2.89%2.88%-1 bps
Growth
Asset Growth (YoY)1.83%-5.49%1.65%-1.64%4.15%+232 bps
Loan Growth (YoY)21.38%6.46%3.05%-9.09%-6.57%-2,795 bps
Deposit Growth (YoY)4.57%-0.98%6.87%2.71%2.83%-175 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.02%0.01%0.01%0.00%-1 bps
Allowance / Loans1.74%1.70%1.77%1.91%1.86%+12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.84%11.63%12.22%13.66%14.44%+360 bps
Equity / Assets7.87%8.59%8.55%9.40%9.75%+188 bps
Liquidity & Funding
Loans / Deposits87.91%86.03%77.21%77.51%79.88%-804 bps
Liquid Assets / Assets0.01%0.01%0.00%0.01%0.01%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a