Fowler, CO · Cert 3021
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Fowler, CO · Cert 3021
FDIC
Q1 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.62% | 0.56% | 0.36% | 0.38% | 0.33% | 0.31% | 0.56% | +21 bps | |
| Return on Equity | 10.00% | 9.79% | 8.72% | 5.28% | 5.59% | 4.73% | 4.40% | 7.43% | +215 bps | |
| Net Interest Margin | 4.80% | 4.72% | 4.69% | 4.41% | 4.47% | 4.39% | 4.52% | 4.31% | -10 bps | |
| Efficiency Ratio | 78.20% | 78.49% | 80.22% | 87.49% | 85.73% | 86.81% | 87.14% | 83.22% | -426 bps | |
| Non-Interest Burden | 3.64% | 3.59% | 3.65% | 3.78% | 3.75% | 3.73% | 3.86% | 3.50% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.73% | 6.06% | 1.76% | 0.93% | -2.22% | -5.37% | -6.65% | -6.83% | -776 bps | |
| Loan Growth (YoY) | 20.13% | 17.09% | 7.30% | 0.78% | -10.54% | -12.26% | -7.84% | -15.49% | -1,627 bps | |
| Deposit Growth (YoY) | -0.22% | 4.98% | 3.27% | 4.64% | 2.55% | -3.86% | -5.67% | -6.55% | -1,119 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 | 0.08% | 0.07% | 0.09% | 0.15% | 0.16% | 0.47% | 0.49% | 0.09% | -5 bps | |
| Allowance / Loans | 1.25% | 1.30% | 1.40% | 1.40% | 1.52% | 1.35% | 1.28% | 1.43% | +3 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 | 9.73% | 10.12% | 10.51% | 10.56% | 11.17% | 11.54% | 11.75% | 12.75% | +220 bps | |
| Equity / Assets | 6.39% | 6.39% | 6.68% | 6.82% | 6.97% | 7.09% | 7.48% | 7.69% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.35% | 97.98% | 94.68% | 94.32% | 89.29% | 89.43% | 92.50% | 85.30% | -902 bps | |
| Liquid Assets / Assets | 8.10% | 8.33% | 9.45% | 8.82% | 8.97% | 9.31% | 9.46% | 9.42% | +60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |