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First National Bank of Canon City

Canon City, CO · Cert 2999

FDIC

Q3 2001

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: Q3 2001, the quarter ended September 30, 2001, 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

First National Bank of Canon City

Canon City, CO · Cert 2999

FDIC

Q3 2001

$104.0MAssets
$44.1MLoans
$82.3MDeposits
$9.8MEquity
Loan mix
87%RE $21.7M13%C&I $3.1M0%Consumer $0.1MQ3 2000Q3 2001
Deposit mix
72%Interest-bearing $59.3M28%Noninterest $23.0MQ3 2000Q3 2001

NIM

7.17%Q1 ’016.90%Q2 ’016.69%Q3 ’01-3%-1%

Non-interest income vs. expense

3.50%Q1 ’013.44%Q2 ’013.44%Q3 ’01-3%+2%

Executive Summary

  • Earnings: ROA of 1.37%, down 49 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 53.58% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.37%-49 bps YoY

Net Interest Margin (YTD, annualized)

4.20%

Efficiency Ratio (YTD, annualized)

70.60%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.86%1.88%1.53%1.51%1.37%-49 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.38%4.26%4.20%n/a
Efficiency Ration/an/a68.77%69.07%70.60%n/a
Non-Interest Burdenn/an/a2.79%2.72%2.76%n/a
Growth
Asset Growth (YoY)5.60%2.80%2.47%3.64%3.18%-242 bps
Loan Growth (YoY)17.88%15.66%2.48%-7.04%-13.29%-3,117 bps
Deposit Growth (YoY)6.96%4.46%-1.54%-0.92%1.99%-497 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.02%0.12%0.13%n/a
Allowance / Loansn/an/a1.09%1.12%1.21%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/a18.89%19.43%19.89%n/a
Equity / Assetsn/an/a9.23%9.12%9.41%n/a
Liquidity & Funding
Loans / Deposits63.03%63.25%62.33%57.32%53.58%-944 bps
Liquid Assets / Assets0.00%0.00%16.91%27.19%16.70%+1,670 bps
CRE / Total Capitaln/an/an/an/an/an/an/a