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 $0.1MQ1 2000Q4 2001
Deposit mix
66%Interest-bearing $35.2M34%Noninterest $18.0MQ1 2000Q4 2001

Executive Summary

  • Earnings: ROA of -1.18%, up 66 bps year over year; NIM at 2.89%.
  • 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.

Return on Assets (quarter, annualized)

-1.18%+66 bps YoY

Net Interest Margin (quarter, annualized)

2.89%

Efficiency Ratio (quarter, annualized)

127.69%

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.49%Q1 ’016.00%Q3 ’015.58%Q4 ’01+9%+4%

Non-interest income vs. expense

6.75%Q1 ’017.32%Q3 ’016.55%Q4 ’01+20%-11%

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets-3.29%-2.61%-2.08%-1.83%-1.23%-1.97%-1.61%-1.18%+66 bps
Return on Equityn/an/an/an/an/a-12.37%-10.34%-7.97%n/a
Net Interest Marginn/an/an/an/a2.55%2.66%2.77%2.89%n/a
Efficiency Ration/an/an/an/a128.40%146.94%139.11%127.69%n/a
Non-Interest Burdenn/an/an/an/a4.04%5.21%4.83%4.31%n/a
Growth
Asset Growth (YoY)22.36%56.21%51.32%45.22%47.48%34.26%21.30%22.57%-2,264 bps
Loan Growth (YoY)148.51%106.84%88.26%69.84%57.28%45.06%23.94%28.46%-4,138 bps
Deposit Growth (YoY)-36.27%-3.41%22.18%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.00%0.00%0.00%0.00%n/a
Allowance / Loansn/an/an/an/a0.70%0.64%0.64%0.59%n/a
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 Capitaln/an/an/an/a11.18%12.09%11.70%11.09%n/a
Equity / Assetsn/an/an/an/a15.97%15.85%15.32%14.24%n/a
Liquidity & Funding
Loans / Deposits196.11%214%184.65%197.48%196.33%200%211%154.24%-4,324 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a