Otis, CO · Cert 3046
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Otis, CO · Cert 3046
FDIC
Q2 2002
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.80% | 1.78% | 1.45% | 1.33% | 1.37% | 1.39% | 1.49% | 1.53% | +20 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 13.56% | 14.03% | n/a | |
| Net Interest Margin | n/a | n/a | 4.89% | 4.65% | 4.72% | 4.61% | 4.57% | 4.60% | -5 bps | |
| Efficiency Ratio | n/a | n/a | 46.13% | 49.32% | 49.94% | 49.74% | 44.41% | 43.27% | -604 bps | |
| Non-Interest Burden | n/a | n/a | 1.93% | 1.97% | 2.05% | 1.97% | 1.60% | 1.61% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.07% | 7.09% | 6.48% | 1.98% | -2.00% | -4.74% | 11.39% | 14.21% | +1,223 bps | |
| Loan Growth (YoY) | 21.89% | 19.55% | 17.43% | 17.91% | 15.22% | 15.30% | 37.83% | 30.64% | +1,273 bps | |
| Deposit Growth (YoY) | 6.72% | 1.24% | 5.38% | 2.34% | -1.81% | -2.14% | 8.63% | 17.63% | +1,530 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 | n/a | n/a | 0.00% | 0.59% | 0.64% | 0.65% | 0.15% | 0.08% | -51 bps | |
| Allowance / Loans | n/a | n/a | 1.95% | 1.67% | 1.61% | 1.59% | 1.40% | 1.56% | -12 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 | n/a | n/a | 17.00% | 16.05% | 14.76% | 14.65% | 12.51% | 12.77% | -328 bps | |
| Equity / Assets | n/a | n/a | 12.19% | 12.29% | 11.88% | 11.74% | 10.37% | 10.66% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.54% | 83.14% | 83.57% | 91.34% | 95.68% | 97.95% | 106.03% | 101.43% | +1,010 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 2.06% | 2.10% | 1.88% | 0.54% | 0.48% | 0.47% | -163 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |