Loveland, CO · Cert 16902
FDIC · 11 branches
Q2 2016
Market Position · Fort Collins, CO · 2016 SOD (annual) · 9.9% share · #3 of 28 inst. · $0.7B of $7.3B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.14% | 1.08% | 1.12% | 1.38% | 1.37% | 1.14% | 1.70% | +58 bps | |
| Return on Equity | 13.98% | 13.45% | 12.63% | 13.21% | 16.00% | 15.83% | 12.72% | 18.33% | +512 bps | |
| Net Interest Margin | 3.07% | 3.08% | 3.15% | 3.10% | 3.11% | 3.07% | 3.14% | 3.09% | 0 bps | |
| Efficiency Ratio | 67.44% | 68.07% | 70.71% | 70.12% | 69.25% | 68.74% | 71.73% | 62.05% | -806 bps | |
| Non-Interest Burden | 1.78% | 1.83% | 1.99% | 1.94% | 1.90% | 1.86% | 2.03% | 1.51% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.35% | 10.81% | 8.20% | 7.12% | 6.51% | 7.04% | 4.40% | 2.82% | -430 bps | |
| Loan Growth (YoY) | 6.04% | 3.77% | 3.57% | 3.14% | 2.45% | 3.20% | -0.27% | 0.44% | -269 bps | |
| Deposit Growth (YoY) | 8.15% | 5.95% | 6.76% | 5.91% | 6.77% | 6.52% | 7.93% | 6.63% | +72 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.11% | -0.31% | -0.16% | -0.14% | -0.12% | -0.11% | -0.17% | -2 bps | |
| Allowance / Loans | 1.94% | 2.04% | 2.12% | 2.08% | 1.86% | 1.88% | 1.96% | 1.85% | -23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | 8.41% | 8.40% | 8.70% | 8.52% | 8.70% | 9.05% | +65 bps | |
| Total Risk-Based Capital | 14.83% | 14.77% | 14.05% | 14.00% | 14.97% | 14.40% | 15.08% | 15.35% | +135 bps | |
| Equity / Assets | 8.50% | 8.54% | 8.62% | 8.40% | 9.00% | 8.62% | 9.34% | 9.94% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.31% | 62.50% | 61.66% | 63.98% | 61.70% | 60.55% | 56.98% | 60.27% | -371 bps | |
| Liquid Assets / Assets | 0.15% | 0.23% | 0.09% | 0.28% | 0.12% | 0.40% | 2.22% | 0.32% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |