Strasburg, CO · Cert 3058
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.
Strasburg, CO · Cert 3058
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 | 1.37% | 1.39% | 1.39% | 1.29% | 1.15% | 1.22% | 0.77% | 0.46% | -83 bps | |
| Return on Equity | 13.86% | 14.03% | 13.71% | 11.83% | 10.49% | 11.07% | 7.26% | 2.97% | -885 bps | |
| Net Interest Margin | 5.12% | 5.02% | 4.94% | 5.05% | 4.97% | 4.99% | 5.01% | 4.91% | -14 bps | |
| Efficiency Ratio | 57.84% | 57.27% | 57.91% | 61.37% | 66.24% | 64.40% | 65.62% | 78.13% | +1,676 bps | |
| Non-Interest Burden | 2.80% | 2.71% | 2.70% | 2.94% | 3.13% | 3.05% | 3.15% | 4.29% | +135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.18% | 8.53% | 2.76% | 1.86% | 4.48% | -1.63% | 0.24% | 11.23% | +937 bps | |
| Loan Growth (YoY) | 5.54% | 0.48% | -0.55% | 2.75% | 1.10% | 3.27% | 1.46% | -0.46% | -321 bps | |
| Deposit Growth (YoY) | 2.88% | 13.07% | 4.52% | 0.84% | 1.39% | -5.18% | -0.14% | -3.18% | -403 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 | 0.02% | 0.05% | 0.07% | 0.31% | 0.17% | 0.13% | 0.23% | -0.10% | -41 bps | |
| Allowance / Loans | 1.00% | 1.04% | 1.02% | 0.95% | 0.98% | 0.96% | 1.79% | 1.81% | +86 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 | 11.78% | 12.18% | 13.07% | 12.88% | 12.99% | 13.71% | 11.44% | 10.65% | -222 bps | |
| Equity / Assets | 10.32% | 9.92% | 10.87% | 10.87% | 11.02% | 11.29% | 9.24% | 20.87% | +1,000 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.17% | 86.06% | 91.62% | 93.81% | 94.90% | 93.72% | 93.09% | 96.45% | +264 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0.00% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |