Clayton, NM · Cert 13625
FDIC · 5 branches
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, 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.
Clayton, NM · Cert 13625
FDIC · 5 branches
Q3 2022
Market Position · Colorado Springs, CO · 2022 SOD (annual) · 1.6% share · #14 of 40 inst. · $0.2B of $12.0B
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 3.58% | 2.73% | 1.91% | 1.37% | 0.74% | 0.74% | 0.89% | -102 bps | |
| Return on Equity | 19.20% | 40.91% | 29.45% | 20.70% | 15.15% | 8.61% | 8.47% | 10.20% | -1,050 bps | |
| Net Interest Margin | 4.54% | 6.34% | 4.88% | 4.18% | 3.17% | 2.79% | 3.10% | 3.24% | -94 bps | |
| Efficiency Ratio | 69.48% | 53.33% | 62.03% | 69.20% | 73.70% | 78.45% | 77.02% | 75.54% | +634 bps | |
| Non-Interest Burden | 1.59% | 1.16% | 1.44% | 1.93% | 1.75% | 1.76% | 1.89% | 1.98% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 106.40% | 100.17% | -3.22% | 3.66% | 21.66% | 24.21% | 37.26% | 27.81% | +2,415 bps | |
| Loan Growth (YoY) | 96.75% | 105.78% | -11.42% | -16.98% | -16.83% | -6.16% | 34.09% | 28.82% | +4,580 bps | |
| Deposit Growth (YoY) | 66.79% | 77.28% | 34.40% | 43.13% | 60.69% | 55.22% | 41.20% | 29.40% | -1,373 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.00% | 1.03% | 1.36% | 1.37% | 1.52% | 1.32% | 1.32% | 1.33% | -4 bps | |
| Allowance Coverage of NPLs | 143.1x | 154.3x | 158.9x | 164.0x | 180.9x | 186.5x | 414.8x | 411.3x | +247.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.99% | 10.60% | 9.80% | 9.17% | 8.52% | 8.05% | 8.57% | 8.41% | -76 bps | |
| Total Risk-Based Capital | 15.96% | 15.98% | 16.69% | 14.36% | 14.31% | 14.21% | 12.84% | 13.18% | -119 bps | |
| Equity / Assets | 8.41% | 9.09% | 10.46% | 9.15% | 8.48% | 8.64% | 8.95% | 8.75% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.23% | 111.07% | 82.04% | 73.30% | 57.06% | 67.15% | 77.91% | 72.98% | -33 bps | |
| Liquid Assets / Assets | 2.62% | 3.26% | 3.94% | 3.40% | 7.97% | 29.55% | 20.63% | 25.02% | +2,162 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |