Wiley, CO · Cert 12699
FDIC · 11 branches
Q1 2022
Market Position · Pueblo, CO · 2021 SOD (annual) · 8.3% share · #6 of 14 inst. · $0.2B of $2.4B
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.89% | 1.86% | 1.87% | 1.78% | 1.72% | 1.71% | 1.73% | 1.45% | -33 bps | |
| Return on Equity | 12.28% | 12.17% | 12.35% | 12.23% | 11.93% | 12.00% | 12.24% | 11.02% | -121 bps | |
| Net Interest Margin | 3.89% | 3.67% | 3.59% | 3.50% | 3.44% | 3.43% | 3.42% | 3.85% | +34 bps | |
| Efficiency Ratio | 45.13% | 45.92% | 45.67% | 49.33% | 51.03% | 50.80% | 52.00% | 53.65% | +432 bps | |
| Non-Interest Burden | 1.61% | 1.53% | 1.47% | 1.57% | 1.62% | 1.61% | 1.65% | 1.94% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.73% | 15.78% | 20.07% | 18.19% | 12.55% | 16.78% | 12.44% | 5.96% | -1,222 bps | |
| Loan Growth (YoY) | 17.20% | 10.59% | 9.09% | 4.00% | 11.76% | 9.24% | 7.95% | 5.75% | +175 bps | |
| Deposit Growth (YoY) | 27.50% | 18.75% | 21.69% | 19.83% | 13.36% | 18.55% | 13.87% | 7.98% | -1,185 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.31% | 2.72% | 2.91% | 1.95% | 2.65% | 1.52% | 1.07% | 0.94% | -101 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.00% | -0.06% | 0.26% | 0.19% | 0.16% | 0.00% | +6 bps | |
| Allowance / Loans | 1.56% | 1.60% | 1.65% | 1.70% | 1.45% | 1.55% | 1.60% | 1.65% | -5 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.6x | 0.9x | 0.5x | 1.0x | 1.5x | 1.7x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.73% | 13.69% | 13.44% | 13.57% | 12.93% | 12.77% | 12.52% | 13.41% | -16 bps | |
| Total Risk-Based Capital | 16.59% | 16.56% | 16.27% | 16.10% | 15.62% | 15.83% | 15.85% | 16.08% | -2 bps | |
| Equity / Assets | 14.84% | 15.09% | 14.68% | 14.46% | 14.22% | 13.82% | 13.60% | 12.76% | -170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.24% | 80.45% | 77.81% | 74.65% | 79.10% | 74.13% | 73.77% | 73.11% | -154 bps | |
| Liquid Assets / Assets | 5.84% | 4.81% | 7.16% | 8.11% | 3.80% | 4.73% | 3.05% | 1.55% | -656 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |