Colorado Springs, CO · Cert 22211
FDIC · 6 branches
Q4 2017
Market Position · Colorado Springs, CO · 2017 SOD (annual) · 3.0% share · #7 of 39 inst. · $0.2B of $7.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 2.71% | 3.15% | 2.28% | 1.24% | 2.07% | 2.17% | 2.07% | -21 bps | |
| Return on Equity | 15.65% | 26.74% | 32.17% | 24.06% | 12.40% | 20.05% | 20.95% | 19.50% | -456 bps | |
| Net Interest Margin | 3.58% | 3.62% | 3.54% | 3.64% | 3.72% | 3.93% | 4.00% | 4.09% | +45 bps | |
| Efficiency Ratio | 79.74% | 73.93% | 71.08% | 73.47% | 81.93% | 75.04% | 74.14% | 73.22% | -25 bps | |
| Non-Interest Burden | 1.03% | -0.50% | -1.72% | -0.42% | 1.40% | 0.31% | 0.41% | 0.57% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.49% | 2.38% | 14.20% | 17.48% | 9.68% | 16.35% | -0.79% | -5.38% | -2,286 bps | |
| Loan Growth (YoY) | 18.16% | 9.75% | 23.98% | 24.45% | 7.51% | 14.38% | -3.66% | -5.72% | -3,018 bps | |
| Deposit Growth (YoY) | 6.25% | 8.08% | 14.34% | 12.75% | 12.63% | 12.86% | 8.98% | 8.47% | -428 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | 0.34% | 0.36% | 0.41% | +41 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 0.71% | 0.74% | 0.68% | 0.74% | 0.93% | 0.92% | 0.96% | 1.03% | +28 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.8x | 2.7x | 2.7x | 2.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.84% | 9.91% | 10.25% | 9.87% | 10.86% | 10.65% | 10.64% | 10.34% | +47 bps | |
| Total Risk-Based Capital | 16.21% | 16.66% | 15.92% | 16.03% | 16.80% | 15.79% | 16.00% | 15.45% | -58 bps | |
| Equity / Assets | 9.97% | 10.28% | 9.40% | 9.54% | 10.53% | 10.13% | 10.60% | 10.60% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.80% | 102.05% | 111.46% | 111.36% | 94.31% | 103.42% | 98.54% | 96.79% | -1,457 bps | |
| Liquid Assets / Assets | 2.49% | 2.73% | 2.76% | 2.34% | 2.35% | 2.62% | 2.63% | 2.10% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |