PackageTrendsPeer
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First National Bank - Colorado

Fowler, CO · Cert 3021

FDIC

Q1 2005

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 2005, the quarter ended March 31, 2005, 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 - Colorado

Fowler, CO · Cert 3021

FDIC

Q1 2005

$63.6MAssets
$44.1MLoans
$51.7MDeposits
$4.9MEquity
Loan mix
62%RE $12.9M37%C&I $7.6M2%Consumer $0.3MQ1 2004Q1 2005
Deposit mix
75%Interest-bearing $38.9M25%Noninterest $12.9MQ1 2004Q1 2005

NIM

6.48%Q1 ’035.79%Q1 ’045.74%Q1 ’05-6%-2%

Non-interest income vs. expense

4.15%Q1 ’034.41%Q1 ’044.04%Q1 ’05+5%-7%

Executive Summary

  • Earnings: ROA of 0.56%, up 21 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 85.30% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

0.56%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.31%-10 bps YoY

Efficiency Ratio (YTD, annualized)

83.22%-426 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.36%0.38%0.33%0.31%0.56%+21 bps
Return on Equity5.28%5.59%4.73%4.40%7.43%+215 bps
Net Interest Margin4.41%4.47%4.39%4.52%4.31%-10 bps
Efficiency Ratio87.49%85.73%86.81%87.14%83.22%-426 bps
Non-Interest Burden3.78%3.75%3.73%3.86%3.50%-28 bps
Growth
Asset Growth (YoY)0.93%-2.22%-5.37%-6.65%-6.83%-776 bps
Loan Growth (YoY)0.78%-10.54%-12.26%-7.84%-15.49%-1,627 bps
Deposit Growth (YoY)4.64%2.55%-3.86%-5.67%-6.55%-1,119 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.16%0.47%0.49%0.09%-5 bps
Allowance / Loans1.40%1.52%1.35%1.28%1.43%+3 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 Capital10.56%11.17%11.54%11.75%12.75%+220 bps
Equity / Assets6.82%6.97%7.09%7.48%7.69%+87 bps
Liquidity & Funding
Loans / Deposits94.32%89.29%89.43%92.50%85.30%-902 bps
Liquid Assets / Assets8.82%8.97%9.31%9.46%9.42%+60 bps
CRE / Total Capitaln/an/an/an/an/an/an/a