PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Community Industrial Bank

Denver, CO · Cert 90634

FDIC

Q3 2002

$372.7MAssets
$346.2MLoans
$240.5MDeposits
$30.8MEquity
Loan mix
99%RE $293.4M0%C&I $1.1M1%Consumer $2.0MQ4 2000Q3 2002
Deposit mix
100%Interest-bearing $240.5M0%Noninterest $0.1MQ4 2000Q3 2002

Executive Summary

  • Earnings: ROA of 1.46%, down 28 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.30%.
  • Funding: loans stand at 143.94% of deposits as of Q3 2002.

Return on Assets (YTD, annualized)

1.46%-28 bps YoY

Net Interest Margin (YTD, annualized)

4.85%-24 bps YoY

Efficiency Ratio (YTD, annualized)

36.44%-157 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

9.91%Q1 ’019.96%Q3 ’018.57%Q3 ’02+5%-5%

Non-interest income vs. expense

1.87%Q1 ’011.94%Q3 ’011.77%Q3 ’02+4%-8%

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets1.83%1.70%1.73%1.74%1.75%1.51%1.62%1.46%-28 bps
Return on Equityn/an/an/an/an/a9.76%10.22%10.39%n/a
Net Interest Marginn/a4.84%5.00%5.09%5.07%4.63%4.81%4.85%-24 bps
Efficiency Ration/a38.55%38.39%38.01%37.81%38.87%36.98%36.44%-157 bps
Non-Interest Burdenn/a1.86%1.90%1.92%1.90%1.79%1.77%1.76%-16 bps
Growth
Asset Growth (YoY)4.40%1.53%-0.56%-0.98%-1.51%-2.68%-3.40%-11.30%-1,033 bps
Loan Growth (YoY)4.00%0.43%-0.49%-1.39%-2.77%-4.37%-3.97%-7.02%-563 bps
Deposit Growth (YoY)-0.04%13.86%36.50%24.17%24.19%19.35%2.29%3.56%-2,060 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/a0.27%0.29%0.30%0.30%0.39%0.34%0.30%0 bps
Allowance / Loansn/a0.84%0.85%0.85%0.86%0.88%0.89%1.21%+35 bps
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/a24.35%25.23%24.25%22.61%23.95%24.62%12.65%-1,161 bps
Equity / Assetsn/a16.95%16.22%16.59%15.21%15.78%16.64%8.25%-834 bps
Liquidity & Funding
Loans / Deposits198.60%185.11%166.49%160.31%155.50%148.33%156.30%143.94%-1,638 bps
Liquid Assets / Assets0.00%2.72%1.56%1.94%2.32%3.17%0.97%1.30%-64 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a