Mancos, CO · Cert 19205
FDIC · 2 branches
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.99% | 0.97% | 0.60% | 0.64% | -6 bps | |
| Return on Equity | 6.60% | 9.38% | 9.26% | 5.81% | 6.16% | -44 bps | |
| Net Interest Margin | 2.71% | 2.67% | 2.60% | 2.67% | 2.46% | -25 bps | |
| Efficiency Ratio | 76.14% | 77.26% | 80.39% | 78.19% | 106.43% | +3,029 bps | |
| Non-Interest Burden | 2.01% | 2.02% | 2.06% | 2.07% | 2.63% | +61 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.17% | -3.30% | 0.63% | 0.69% | 1.32% | +649 bps | |
| Loan Growth (YoY) | -6.19% | -5.10% | -9.64% | -13.88% | -12.51% | -631 bps | |
| Deposit Growth (YoY) | -5.16% | -3.13% | 1.67% | 0.45% | 1.22% | +638 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.14% | -0.15% | -0.17% | -1.62% | -0.95% | -81 bps | |
| Allowance / Loans | 4.49% | 4.03% | 3.82% | 4.50% | 3.46% | -103 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 10.31% | 10.46% | n/a | |
| Total Risk-Based Capital | 20.57% | 19.96% | 20.21% | 21.85% | 22.44% | +187 bps | |
| Equity / Assets | 10.44% | 10.53% | 10.26% | 10.52% | 10.57% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.88% | 46.35% | 44.01% | 41.38% | 41.38% | -650 bps | |
| Liquid Assets / Assets | 13.73% | 12.09% | 12.70% | 10.10% | 11.59% | -214 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |