PackageTrendsPeer
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Aurora National Bank South

Aurora, CO · Cert 23658

FDIC

Q1 1999

$100.9MAssets
$63.4MLoans
$93.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.68%, up 7 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.16% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

1.68%+7 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 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets1.38%1.43%1.48%1.62%1.59%1.64%1.62%1.68%+7 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)7.28%4.53%10.59%14.46%23.48%18.12%20.51%10.81%-366 bps
Loan Growth (YoY)15.45%15.29%15.03%14.20%16.89%6.08%12.32%9.19%-501 bps
Deposit Growth (YoY)7.40%4.18%10.74%14.66%23.53%18.51%20.87%10.42%-424 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 / Deposits72.38%70.99%71.95%68.92%68.49%63.55%66.85%68.16%-76 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