Colorado Springs, CO · Cert 34891
FDIC
Q1 2004
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Colorado Springs, CO · Cert 34891
FDIC
Q1 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.83% | -0.76% | -0.11% | -0.91% | -1.44% | -0.80% | -0.63% | -0.97% | -6 bps | |
| Return on Equity | -15.08% | -13.75% | -1.49% | -5.65% | -8.74% | -4.87% | -3.84% | -5.92% | -27 bps | |
| Net Interest Margin | 3.68% | 3.86% | 0.18% | 3.82% | 3.68% | 3.73% | 3.75% | 4.33% | +51 bps | |
| Efficiency Ratio | 105.11% | 107.05% | 143.45% | 131.01% | 131.03% | 119.13% | 115.62% | 123.06% | -794 bps | |
| Non-Interest Burden | 3.92% | 4.20% | 0.29% | 5.27% | 5.04% | 4.58% | 4.43% | 5.39% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.45% | 6.59% | 1.84% | -11.69% | -16.02% | -9.26% | -11.65% | 5.30% | +1,700 bps | |
| Loan Growth (YoY) | 18.48% | -0.35% | -15.72% | -16.53% | -22.04% | -18.77% | -14.10% | -1.13% | +1,540 bps | |
| Deposit Growth (YoY) | 5.91% | 12.10% | 7.02% | -22.71% | -22.30% | -28.72% | -9.87% | 0.30% | +2,301 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 1.46% | 0.00% | 1.03% | 0.88% | 0.99% | -0.95% | -95 bps | |
| Allowance / Loans | 1.82% | 2.02% | 2.49% | 2.57% | 2.49% | 2.72% | 2.53% | 2.48% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 7.97% | 8.25% | 16.32% | 16.75% | 16.88% | 17.53% | 17.55% | 15.46% | -129 bps | |
| Equity / Assets | 5.54% | 5.53% | 15.19% | 17.22% | 17.19% | 16.15% | 16.56% | 16.24% | -98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.82% | 81.06% | 90.19% | 101.25% | 99.15% | 92.38% | 85.96% | 99.81% | -144 bps | |
| Liquid Assets / Assets | 3.77% | 12.02% | 1.95% | 5.77% | 4.29% | 25.96% | 21.83% | 20.57% | +1,480 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |