PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Strasburg, The

Strasburg, CO · Cert 3058

FDIC

Q1 2005

$298.9MAssets
$218.1MLoans
$226.1MDeposits
$62.4MEquity
Loan mix
73%RE $52.0M27%C&I $19.0M1%Consumer $0.5MQ1 2004Q1 2005
Deposit mix
77%Interest-bearing $173.0M23%Noninterest $53.1MQ1 2004Q1 2005

NIM

6.81%Q1 ’036.28%Q1 ’045.72%Q1 ’05-1%-3%

Non-interest income vs. expense

3.22%Q1 ’033.35%Q1 ’044.60%Q1 ’05+4%+46%

Executive Summary

  • Earnings: ROA of 0.46%, down 83 bps year over year; NIM at 4.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.10%.
  • Funding: loans stand at 96.45% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

0.46%-83 bps YoY

Net Interest Margin (YTD, annualized)

4.91%-14 bps YoY

Efficiency Ratio (YTD, annualized)

78.13%+1,676 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets1.29%1.15%1.22%0.77%0.46%-83 bps
Return on Equity11.83%10.49%11.07%7.26%2.97%-885 bps
Net Interest Margin5.05%4.97%4.99%5.01%4.91%-14 bps
Efficiency Ratio61.37%66.24%64.40%65.62%78.13%+1,676 bps
Non-Interest Burden2.94%3.13%3.05%3.15%4.29%+135 bps
Growth
Asset Growth (YoY)1.86%4.48%-1.63%0.24%11.23%+937 bps
Loan Growth (YoY)2.75%1.10%3.27%1.46%-0.46%-321 bps
Deposit Growth (YoY)0.84%1.39%-5.18%-0.14%-3.18%-403 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.31%0.17%0.13%0.23%-0.10%-41 bps
Allowance / Loans0.95%0.98%0.96%1.79%1.81%+86 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.88%12.99%13.71%11.44%10.65%-222 bps
Equity / Assets10.87%11.02%11.29%9.24%20.87%+1,000 bps
Liquidity & Funding
Loans / Deposits93.81%94.90%93.72%93.09%96.45%+264 bps
Liquid Assets / Assets0.00%0.01%0.01%0.00%0.01%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a