Bayfield, CO · Cert 22497
FDIC · 4 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 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.
Bayfield, CO · Cert 22497
FDIC · 4 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.45% | -0.41% | -1.00% | -0.58% | -0.62% | -0.46% | -0.37% | -0.47% | +11 bps | |
| Return on Equity | -4.86% | -4.30% | -9.90% | -5.79% | -6.26% | -4.58% | -3.69% | -4.76% | +103 bps | |
| Net Interest Margin | 3.23% | 3.35% | 3.47% | 3.39% | 3.33% | 3.41% | 3.24% | 3.20% | -20 bps | |
| Efficiency Ratio | 112.67% | 111.06% | 132.21% | 116.42% | 116.83% | 111.96% | 110.29% | 112.82% | -360 bps | |
| Non-Interest Burden | 3.68% | 3.76% | 4.47% | 3.97% | 3.94% | 3.86% | 3.59% | 3.64% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.45% | -7.08% | -4.56% | -3.35% | -4.58% | -1.51% | 1.52% | -0.13% | +322 bps | |
| Loan Growth (YoY) | -8.51% | -13.38% | -10.49% | -11.27% | 0.06% | 0.14% | 1.53% | 1.93% | +1,319 bps | |
| Deposit Growth (YoY) | -6.29% | -8.39% | -5.81% | -3.33% | -4.69% | -1.50% | 1.72% | 0.28% | +361 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 | 0.64% | 0.76% | 0.07% | 0.03% | 0.02% | 0.01% | -0.07% | 0.34% | +31 bps | |
| Allowance / Loans | 2.60% | 2.49% | 2.48% | 2.54% | 2.35% | 2.48% | 2.47% | 2.32% | -21 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 | 9.39% | 9.01% | n/a | |
| Total Risk-Based Capital | 17.46% | 18.03% | 17.65% | 18.07% | 16.86% | 17.73% | 17.84% | 17.54% | -53 bps | |
| Equity / Assets | 9.56% | 10.10% | 10.01% | 9.92% | 9.66% | 10.24% | 9.92% | 9.60% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.91% | 54.74% | 54.12% | 52.06% | 55.54% | 55.65% | 54.02% | 52.91% | +85 bps | |
| Liquid Assets / Assets | 7.65% | 4.43% | 6.35% | 10.15% | 8.66% | 7.78% | 11.86% | 12.83% | +268 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |