PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

FNC Trust Group, N.A.

Boulder, CO · Cert 34558

FDIC

Q4 2001

$1.3MAssets
n/aLoans
n/aDeposits
$728KEquity

Executive Summary

  • Earnings: ROA of -7.27%, up 122 bps year over year; NIM at 0.55%.

Return on Assets (YTD, annualized)

-7.27%+122 bps YoY

Net Interest Margin (YTD, annualized)

0.55%

Efficiency Ratio (YTD, annualized)

2157%

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.69%Q1 ’010.64%Q3 ’010.55%Q4 ’01-6%-15%

Non-interest income vs. expense

15.79%Q1 ’0111.49%Q3 ’0111.85%Q4 ’01-27%+3%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets-2.84%-2.18%-10.78%-8.49%-9.21%-5.02%-6.84%-7.27%+122 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a0.69%0.49%0.64%0.55%n/a
Efficiency Ration/an/an/an/a2300%1667%1783%2157%n/a
Non-Interest Burdenn/an/an/an/a15.79%8.14%11.49%11.85%n/a
Growth
Asset Growth (YoY)2.73%6.09%44.06%20.44%34.71%22.95%0.34%13.49%-695 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/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/a66.81%68.69%63.34%70.83%n/a
Equity / Assetsn/an/an/an/a58.03%60.60%51.32%55.83%n/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
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