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 $0.5MQ2 2003Q1 2005
Deposit mix
77%Interest-bearing $173.0M23%Noninterest $53.1MQ2 2003Q1 2005

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.

Return on Assets (quarter, annualized)

0.46%-83 bps YoY

Net Interest Margin (quarter, annualized)

4.91%-14 bps YoY

Efficiency Ratio (quarter, annualized)

78.13%+1,676 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

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%

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets1.42%1.45%1.33%1.29%1.00%1.37%-0.58%0.46%-83 bps
Return on Equity14.22%14.34%12.84%11.83%9.16%12.26%-5.61%2.97%-885 bps
Net Interest Margin5.15%5.15%4.81%5.05%5.04%5.01%5.13%4.91%-14 bps
Efficiency Ratio56.94%56.17%59.88%61.37%70.85%60.70%69.30%78.13%+1,676 bps
Non-Interest Burden2.76%2.72%2.73%2.94%3.41%2.88%3.47%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.12%0.13%0.31%0.02%0.07%0.51%-0.10%-41 bps
Allowance / Loans1.00%1.04%1.02%0.95%0.98%0.96%1.79%1.81%+86 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.78%12.18%13.07%12.88%12.99%13.71%11.44%10.65%-222 bps
Equity / Assets10.32%9.92%10.87%10.87%11.02%11.29%9.24%20.87%+1,000 bps
Liquidity & Funding
Loans / Deposits95.17%86.06%91.62%93.81%94.90%93.72%93.09%96.45%+264 bps
Liquid Assets / Assets0.01%0.01%0.01%0.00%0.01%0.01%0.00%0.01%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a