PackageTrendsPeer
Letter portraitLegal landscape

State Bank of Wiley, The

Wiley, CO · Cert 12699

FDIC · 11 branches

Q1 2022

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 2022, the quarter ended March 31, 2022, 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

State Bank of Wiley, The

Wiley, CO · Cert 12699

FDIC · 11 branches

Q1 2022

$484.1MAssets
$306.4MLoans
$419.1MDeposits
$61.8MEquity
Loan mix
67%RE $144.0M32%C&I $67.7M1%Consumer $2.9MQ1 2021Q1 2022
Deposit mix
68%Interest-bearing $285.6M32%Noninterest $133.5MQ1 2021Q1 2022

NIM

4.68%Q1 ’203.76%Q1 ’213.95%Q1 ’22-12%+10%

Non-interest income vs. expense

2.02%Q1 ’201.84%Q1 ’212.16%Q1 ’22-11%+24%

Market Position · Pueblo, CO · 2021 SOD (annual) · 8.3% share · #6 of 14 inst. · $0.2B of $2.4B

8.3% Pueblo
0.7% El Paso
13.4% Prowers
6.0% Fremont

Executive Summary

  • Earnings: ROA of 1.45%, down 33 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.94% of loans (-101 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.41%, down 16 bps from a year ago.
  • Funding: loans stand at 73.11% of deposits as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

1.45%-33 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+34 bps YoY

Efficiency Ratio (YTD, annualized)

53.65%+432 bps YoY

Tier 1 Leverage Ratio

13.41%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets1.78%1.72%1.71%1.73%1.45%-33 bps
Return on Equity12.23%11.93%12.00%12.24%11.02%-121 bps
Net Interest Margin3.50%3.44%3.43%3.42%3.85%+34 bps
Efficiency Ratio49.33%51.03%50.80%52.00%53.65%+432 bps
Non-Interest Burden1.57%1.62%1.61%1.65%1.94%+37 bps
Growth
Asset Growth (YoY)18.19%12.55%16.78%12.44%5.96%-1,222 bps
Loan Growth (YoY)4.00%11.76%9.24%7.95%5.75%+175 bps
Deposit Growth (YoY)19.83%13.36%18.55%13.87%7.98%-1,185 bps
Asset Quality
Nonperforming Loans / Loans1.95%2.65%1.52%1.07%0.94%-101 bps
Net Charge-Offs / Loans-0.06%0.26%0.19%0.16%0.00%+6 bps
Allowance / Loans1.70%1.45%1.55%1.60%1.65%-5 bps
Allowance Coverage of NPLs0.9x0.5x1.0x1.5x1.7x+0.9x
Capital
Tier 1 Leverage Ratio13.57%12.93%12.77%12.52%13.41%-16 bps
Total Risk-Based Capital16.10%15.62%15.83%15.85%16.08%-2 bps
Equity / Assets14.46%14.22%13.82%13.60%12.76%-170 bps
Liquidity & Funding
Loans / Deposits74.65%79.10%74.13%73.77%73.11%-154 bps
Liquid Assets / Assets8.11%3.80%4.73%3.05%1.55%-656 bps
CRE / Total Capitaln/an/an/an/an/an/an/a