Fort Collins, CO · Cert 26898
FDIC
Q1 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.40% | 1.45% | 1.43% | 1.41% | 1.11% | 0.40% | 0.74% | -69 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 14.44% | 11.30% | 4.01% | 7.17% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.28% | 5.17% | 5.21% | 4.81% | 4.71% | -57 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 61.67% | 64.13% | 63.17% | 62.20% | 72.26% | +1,059 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.92% | 3.01% | 2.95% | 2.69% | 3.21% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.94% | 9.94% | 13.38% | 18.79% | 27.15% | 13.40% | 9.10% | -2.70% | -2,149 bps | |
| Loan Growth (YoY) | 14.49% | 22.77% | 18.98% | 23.39% | 24.34% | 17.75% | 12.93% | -2.61% | -2,600 bps | |
| Deposit Growth (YoY) | -9.90% | 9.13% | 5.19% | 17.32% | 28.93% | 11.25% | 17.99% | -4.46% | -2,177 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 | -0.03% | 0.15% | 0.07% | 1.26% | -0.01% | +2 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.08% | 1.12% | 1.21% | 1.49% | 1.72% | +63 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 | 13.98% | 13.65% | 11.53% | 14.04% | 14.92% | +94 bps | |
| Equity / Assets | n/a | n/a | n/a | 9.83% | 9.63% | 10.01% | 10.05% | 10.75% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.17% | 67.80% | 77.10% | 74.28% | 71.53% | 71.76% | 73.80% | 75.71% | +144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.15% | 0.58% | 0.83% | 0.40% | 0.67% | +52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |