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Letter portraitLegal landscapeQuarterYTD

Berthoud National Bank, The

Berthoud, CO · Cert 2996

FDIC

Q3 2001

$104.6MAssets
$78.0MLoans
$89.1MDeposits
$14.2MEquity
Loan mix
38%RE $12.1M61%C&I $19.5M0%Consumer $0.2MQ3 2000Q3 2001
Deposit mix
84%Interest-bearing $75.2M16%Noninterest $13.9MQ3 2000Q3 2001

NIM

8.49%Q1 ’011.26%Q2 ’013.09%Q3 ’01-85%+141%

Non-interest income vs. expense

2.89%Q1 ’010.40%Q2 ’011.10%Q3 ’01-86%+172%

Executive Summary

  • Earnings: ROA of 0.37%, down 90 bps year over year; NIM at 1.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 87.59% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

0.37%-90 bps YoY

Net Interest Margin (YTD, annualized)

1.50%

Efficiency Ratio (YTD, annualized)

65.11%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.27%1.25%1.15%0.12%0.37%-90 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.28%0.62%1.50%n/a
Efficiency Ration/an/a60.79%58.22%65.11%n/a
Non-Interest Burdenn/an/a2.42%0.33%0.91%n/a
Growth
Asset Growth (YoY)17.04%21.59%14.66%22.09%18.09%+105 bps
Loan Growth (YoY)18.27%20.83%9.75%18.10%18.74%+47 bps
Deposit Growth (YoY)17.99%21.17%14.74%14.56%11.17%-682 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.08%0.00%-0.01%n/a
Allowance / Loansn/an/a1.32%1.23%1.17%n/a
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 Capitaln/an/a11.18%10.41%10.01%n/a
Equity / Assetsn/an/a7.95%13.61%13.56%n/a
Liquidity & Funding
Loans / Deposits82.01%80.93%77.64%82.82%87.59%+559 bps
Liquid Assets / Assets0.00%0.00%2.15%1.93%1.89%+189 bps
CRE / Total Capitaln/an/an/an/an/an/an/a