PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northern Trust Bank of Colorado

Denver, CO · Cert 34342

FDIC

Q4 2001

$97.7MAssets
$82.0MLoans
$53.2MDeposits
$13.9MEquity
Loan mix
92%RE $65.7M7%C&I $5.2M0%Consumer $0.1MQ4 2000Q4 2001
Deposit mix
66%Interest-bearing $35.2M34%Noninterest $18.0MQ4 2000Q4 2001

NIM

6.49%Q1 ’015.94%Q3 ’015.70%Q4 ’01+0%+1%

Non-interest income vs. expense

6.75%Q1 ’017.05%Q3 ’016.74%Q4 ’01+12%-4%

Executive Summary

  • Earnings: ROA of -1.50%, up 33 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 154.24% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

-1.50%+33 bps YoY

Net Interest Margin (YTD, annualized)

2.57%

Efficiency Ratio (YTD, annualized)

135.76%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets-1.83%-1.23%-1.62%-1.62%-1.50%+33 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a2.55%2.48%2.55%2.57%n/a
Efficiency Ration/a128.40%138.28%138.57%135.76%n/a
Non-Interest Burdenn/a4.04%4.43%4.51%4.35%n/a
Growth
Asset Growth (YoY)45.22%47.48%34.26%21.30%22.57%-2,264 bps
Loan Growth (YoY)69.84%57.28%45.06%23.94%28.46%-4,138 bps
Deposit Growth (YoY)27.33%57.11%55.43%8.56%64.48%+3,715 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.00%0.00%0.00%0.00%n/a
Allowance / Loansn/a0.70%0.64%0.64%0.59%n/a
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 Capitaln/a11.18%12.09%11.70%11.09%n/a
Equity / Assetsn/a15.97%15.85%15.32%14.24%n/a
Liquidity & Funding
Loans / Deposits197.48%196.33%200%211%154.24%-4,324 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a