Mancos, CO · Cert 19205
FDIC · 2 branches
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.82% | 0.65% | 0.75% | 1.58% | 0.92% | 0.60% | 0.69% | -6 bps | |
| Return on Equity | 5.39% | 7.59% | 6.11% | 7.24% | 15.07% | 8.85% | 5.81% | 6.50% | -74 bps | |
| Net Interest Margin | 2.58% | 2.70% | 2.72% | 2.67% | 2.58% | 2.53% | 2.67% | 2.25% | -42 bps | |
| Efficiency Ratio | 79.73% | 71.51% | 77.33% | 74.95% | 79.64% | 90.77% | 78.19% | 138.02% | +6,307 bps | |
| Non-Interest Burden | 2.03% | 1.89% | 2.07% | 1.94% | 2.02% | 2.30% | 2.07% | 3.19% | +125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.85% | -5.92% | -8.12% | -5.17% | -3.30% | 0.63% | 0.69% | 1.32% | +649 bps | |
| Loan Growth (YoY) | -16.81% | -11.47% | -9.82% | -6.19% | -5.10% | -9.64% | -13.88% | -12.51% | -631 bps | |
| Deposit Growth (YoY) | -5.91% | -7.06% | -8.26% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.17% | -0.11% | -0.17% | -0.16% | -0.22% | -1.62% | -0.28% | -11 bps | |
| Allowance / Loans | 4.34% | 4.27% | 4.39% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 10.31% | 10.46% | n/a | |
| Total Risk-Based Capital | 22.14% | 22.15% | 19.75% | 20.57% | 19.96% | 20.21% | 21.85% | 22.44% | +187 bps | |
| Equity / Assets | 10.53% | 11.11% | 10.21% | 10.44% | 10.53% | 10.26% | 10.52% | 10.57% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.32% | 49.53% | 48.26% | 47.88% | 46.35% | 44.01% | 41.38% | 41.38% | -650 bps | |
| Liquid Assets / Assets | 15.22% | 9.06% | 9.30% | 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 | n/a | n/a | n/a |