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Montrosebank

Montrose, CO · Cert 90528

FDIC · 6 branches

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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 2026-10-11

Montrosebank

Montrose, CO · Cert 90528

FDIC · 6 branches

Q4 2014

$238.4MAssets
$81.1MLoans
$213.3MDeposits
$25.0MEquity
Loan mix
90%RE $59.0M6%C&I $3.7M4%Consumer $2.9MQ4 2013Q4 2014
Deposit mix
66%Interest-bearing $140.0M34%Noninterest $73.3MQ4 2013Q4 2014

NIM

4.17%Q4 ’123.65%Q4 ’133.43%Q4 ’14-12%-6%

Non-interest income vs. expense

2.79%Q4 ’122.71%Q4 ’132.45%Q4 ’14-6%-8%

Executive Summary

  • Earnings: ROA of 1.48%, up 3 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.35%.
  • Funding: loans stand at 38.04% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

1.48%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-20 bps YoY

Efficiency Ratio (YTD, annualized)

63.09%-175 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets1.45%1.41%1.38%1.38%1.48%+3 bps
Return on Equity13.74%13.62%13.31%13.26%14.21%+47 bps
Net Interest Margin3.50%3.45%3.45%3.35%3.30%-20 bps
Efficiency Ratio64.84%65.45%65.82%65.70%63.09%-175 bps
Non-Interest Burden2.03%2.03%2.07%2.01%1.86%-17 bps
Growth
Asset Growth (YoY)0.54%2.49%5.09%4.63%4.70%+415 bps
Loan Growth (YoY)-10.48%-10.28%-9.99%-8.07%-8.23%+224 bps
Deposit Growth (YoY)0.77%2.91%5.28%4.72%4.66%+390 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.37%0.79%0.63%0.42%0.35%-3 bps
Allowance / Loans2.01%1.89%1.77%1.82%1.84%-17 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 Capital22.85%23.18%23.02%23.77%23.85%+100 bps
Equity / Assets10.40%10.25%10.48%10.46%10.49%+8 bps
Liquidity & Funding
Loans / Deposits43.39%40.35%40.76%39.56%38.04%-535 bps
Liquid Assets / Assets26.31%27.49%26.27%28.77%27.12%+81 bps
CRE / Total Capitaln/an/an/an/an/an/an/a