Rocky Ford, CO · Cert 3052
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.91% | 0.94% | -0.97% | 0.47% | -0.64% | 1.11% | 1.01% | +199 bps | |
| Return on Equity | 11.36% | 11.50% | 11.58% | -12.01% | 5.76% | -7.44% | 12.47% | 10.73% | +2,274 bps | |
| Net Interest Margin | 3.92% | 4.13% | 3.90% | 3.75% | 4.02% | 3.96% | 4.04% | 3.66% | -9 bps | |
| Efficiency Ratio | 65.49% | 63.08% | 65.35% | 75.30% | 70.10% | 75.94% | 66.34% | 64.55% | -1,075 bps | |
| Non-Interest Burden | 2.35% | 2.37% | 2.30% | 2.65% | 2.64% | 2.85% | 2.46% | 2.10% | -55 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 | 0.81% | 0.07% | 0.70% | 2.47% | 0.18% | 3.03% | 0.04% | 0.31% | -216 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 |