Canon City, CO · Cert 21801
FDIC · 9 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Canon City, CO · Cert 21801
FDIC · 9 branches
Q3 2015
Market Position · Pueblo, CO · 2015 SOD (annual) · 4.8% share · #7 of 14 inst. · $0.1B of $1.6B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.82% | 0.72% | 0.81% | 0.80% | 0.99% | 1.00% | 1.01% | +21 bps | |
| Return on Equity | 7.27% | 7.77% | 6.74% | 7.69% | 7.67% | 9.42% | 9.52% | 9.63% | +195 bps | |
| Net Interest Margin | 3.59% | 3.95% | 3.95% | 3.87% | 3.87% | 4.42% | 4.24% | 4.18% | +31 bps | |
| Efficiency Ratio | 78.93% | 75.11% | 78.06% | 75.45% | 75.49% | 70.17% | 69.87% | 69.33% | -612 bps | |
| Non-Interest Burden | 2.66% | 2.76% | 2.90% | 2.72% | 2.73% | 2.86% | 2.67% | 2.59% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.15% | 5.25% | 5.39% | 8.98% | 1.35% | 3.58% | 3.13% | 1.98% | -700 bps | |
| Loan Growth (YoY) | 11.42% | 8.73% | 9.38% | 12.85% | 9.83% | 8.57% | 8.90% | 5.64% | -720 bps | |
| Deposit Growth (YoY) | 8.91% | 5.90% | 5.73% | 10.27% | 1.29% | 3.69% | 3.43% | 1.54% | -873 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 | 0.21% | 0.19% | 0.11% | 0.07% | 0.05% | -0.01% | -0.22% | -0.15% | -22 bps | |
| Allowance / Loans | 2.20% | 2.08% | 2.01% | 1.90% | 1.96% | 1.92% | 1.96% | 1.92% | +2 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 | 10.35% | 10.50% | 10.57% | n/a | |
| Total Risk-Based Capital | 17.27% | 17.58% | 17.63% | 16.21% | 16.72% | 17.36% | 18.43% | 18.56% | +235 bps | |
| Equity / Assets | 10.31% | 10.69% | 10.90% | 10.04% | 10.45% | 10.56% | 10.61% | 10.48% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.30% | 65.45% | 67.04% | 67.50% | 67.55% | 68.53% | 70.58% | 70.23% | +273 bps | |
| Liquid Assets / Assets | 4.25% | 0.88% | 1.81% | 4.59% | 2.80% | 2.93% | 2.26% | 6.19% | +160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |