Bayfield, CO · Cert 22497
FDIC · 4 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 | -0.08% | -0.26% | -1.00% | -0.17% | -0.70% | 0.05% | -0.37% | -0.57% | -40 bps | |
| Return on Equity | -0.78% | -2.62% | -9.90% | -1.70% | -7.17% | 0.46% | -3.69% | -5.82% | -412 bps | |
| Net Interest Margin | 3.30% | 3.37% | 3.47% | 3.37% | 3.32% | 3.48% | 3.24% | 3.19% | -18 bps | |
| Efficiency Ratio | 101.92% | 106.55% | 132.21% | 104.16% | 117.53% | 98.88% | 110.29% | 115.24% | +1,108 bps | |
| Non-Interest Burden | 3.38% | 3.63% | 4.47% | 3.54% | 4.02% | 3.43% | 3.59% | 3.74% | +21 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 | 0.41% | 0.99% | 0.07% | -0.01% | -0.01% | -0.01% | -0.07% | 0.74% | +75 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 |