La Jara, CO · Cert 3032
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
La Jara, CO · Cert 3032
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.53% | 1.29% | 1.19% | 1.14% | 1.13% | 1.43% | 1.36% | +17 bps | |
| Return on Equity | 13.62% | 13.83% | 11.86% | 10.94% | 10.43% | 10.32% | 12.53% | 11.87% | +92 bps | |
| Net Interest Margin | 4.67% | 4.27% | 4.61% | 4.63% | 4.51% | 4.50% | 4.48% | 4.46% | -18 bps | |
| Efficiency Ratio | 59.67% | 59.05% | 59.65% | 63.66% | 63.75% | 64.45% | 61.31% | 63.26% | -40 bps | |
| Non-Interest Burden | 2.44% | 2.21% | 2.36% | 2.62% | 2.56% | 2.59% | 2.34% | 2.43% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.33% | 18.02% | 13.71% | 6.14% | -3.81% | -3.57% | -7.92% | 4.12% | -202 bps | |
| Loan Growth (YoY) | 19.30% | 24.07% | 48.43% | 8.80% | -1.31% | -2.15% | -9.19% | -4.91% | -1,370 bps | |
| Deposit Growth (YoY) | -1.21% | 13.55% | 12.53% | 15.77% | 13.26% | 5.29% | 2.71% | 3.49% | -1,228 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 | -0.05% | -0.01% | 0.06% | 0.08% | 0.05% | 0.07% | -0.01% | 0.01% | -8 bps | |
| Allowance / Loans | 0.64% | 0.60% | 0.60% | 0.68% | 0.79% | 0.78% | 0.82% | 0.80% | +13 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 | 10.44% | 10.47% | 10.46% | 10.10% | 10.42% | 10.63% | 11.64% | 12.10% | +200 bps | |
| Equity / Assets | 10.78% | 10.80% | 11.01% | 10.85% | 10.95% | 11.05% | 11.82% | 11.61% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.98% | 115.54% | 112.84% | 100.00% | 104.54% | 107.37% | 99.76% | 91.89% | -811 bps | |
| Liquid Assets / Assets | 0.28% | 0.29% | 0.13% | 0.28% | 0.48% | 0.04% | 0.02% | 5.03% | +476 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |