Rocky Ford, CO · Cert 3052
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.
Rocky Ford, CO · Cert 3052
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 | 0.89% | 0.91% | 0.94% | -0.02% | 0.14% | -0.05% | 1.11% | 1.07% | +109 bps | |
| Return on Equity | 11.33% | 11.42% | 11.58% | -0.28% | 1.75% | -0.56% | 12.47% | 11.60% | +1,187 bps | |
| Net Interest Margin | 3.29% | 3.43% | 3.90% | 3.80% | 3.93% | 4.04% | 4.04% | 3.87% | +7 bps | |
| Efficiency Ratio | 63.86% | 63.63% | 65.35% | 70.29% | 70.22% | 71.62% | 66.34% | 65.48% | -481 bps | |
| Non-Interest Burden | 1.89% | 1.97% | 2.30% | 2.46% | 2.56% | 2.69% | 2.46% | 2.29% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.69% | 35.76% | 27.40% | 5.25% | -2.19% | -5.86% | -7.17% | -13.71% | -1,896 bps | |
| Loan Growth (YoY) | 23.02% | 14.25% | 52.01% | 10.04% | 7.54% | 3.32% | -3.57% | -20.02% | -3,007 bps | |
| Deposit Growth (YoY) | 40.54% | 39.10% | 33.61% | 3.55% | -5.31% | -8.11% | -9.97% | -14.31% | -1,786 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 | 0.44% | 0.35% | 0.70% | 1.57% | 1.10% | 1.62% | 0.04% | 0.18% | -139 bps | |
| Allowance / Loans | 0.72% | 0.80% | 0.65% | 0.94% | 1.21% | 1.23% | 1.27% | 1.39% | +45 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 | 10.14% | 10.85% | 10.55% | 10.47% | 10.61% | 10.83% | 11.75% | 13.44% | +297 bps | |
| Equity / Assets | 7.73% | 8.06% | 8.17% | 8.05% | 8.45% | 8.74% | 9.04% | 9.86% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.20% | 90.67% | 92.84% | 95.82% | 100.18% | 101.95% | 99.43% | 89.44% | -639 bps | |
| Liquid Assets / Assets | 17.47% | 17.97% | 15.89% | 0.16% | 6.56% | 5.01% | 5.25% | 9.76% | +960 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |