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Vista Bank

Colorado Springs, CO · Cert 34891

FDIC

Q1 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2004, the quarter ended March 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Vista Bank

Colorado Springs, CO · Cert 34891

FDIC

Q1 2004

$52.1MAssets
$33.9MLoans
$34.0MDeposits
$8.5MEquity
Loan mix
39%RE $5.5M59%C&I $8.3M1%Consumer $0.2MQ1 2003Q1 2004
Deposit mix
67%Interest-bearing $22.7M33%Noninterest $11.3MQ1 2003Q1 2004

NIM

6.55%Q1 ’025.98%Q1 ’035.79%Q1 ’04+7%+13%

Non-interest income vs. expense

5.29%Q1 ’025.58%Q1 ’035.66%Q1 ’04+19%+2%

Executive Summary

  • Earnings: ROA of -0.97%, down 6 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.95%.
  • Funding: loans stand at 99.81% of deposits as of Q1 2004.

Financial Results

Return on Assets (YTD, annualized)

-0.97%-6 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+51 bps YoY

Efficiency Ratio (YTD, annualized)

123.06%-794 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets-0.91%-1.44%-0.80%-0.63%-0.97%-6 bps
Return on Equity-5.65%-8.74%-4.87%-3.84%-5.92%-27 bps
Net Interest Margin3.82%3.68%3.73%3.75%4.33%+51 bps
Efficiency Ratio131.01%131.03%119.13%115.62%123.06%-794 bps
Non-Interest Burden5.27%5.04%4.58%4.43%5.39%+11 bps
Growth
Asset Growth (YoY)-11.69%-16.02%-9.26%-11.65%5.30%+1,700 bps
Loan Growth (YoY)-16.53%-22.04%-18.77%-14.10%-1.13%+1,540 bps
Deposit Growth (YoY)-22.71%-22.30%-28.72%-9.87%0.30%+2,301 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%1.03%0.88%0.99%-0.95%-95 bps
Allowance / Loans2.57%2.49%2.72%2.53%2.48%-9 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 Capital16.75%16.88%17.53%17.55%15.46%-129 bps
Equity / Assets17.22%17.19%16.15%16.56%16.24%-98 bps
Liquidity & Funding
Loans / Deposits101.25%99.15%92.38%85.96%99.81%-144 bps
Liquid Assets / Assets5.77%4.29%25.96%21.83%20.57%+1,480 bps
CRE / Total Capitaln/an/an/an/an/an/an/a