Colorado Springs, CO · Cert 23058
FDIC · 19 branches
Q3 2016
Market Position · Colorado Springs, CO · 2016 SOD (annual) · 2.3% share · #10 of 40 inst. · $0.2B of $7.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.26% | 0.88% | 0.85% | 1.12% | 1.15% | 0.96% | 1.00% | 0.96% | -16 bps | |
| Return on Equity | 13.24% | 4.93% | 4.61% | 6.03% | 6.86% | 6.32% | 6.32% | 5.98% | -5 bps | |
| Net Interest Margin | 6.37% | 4.09% | 4.16% | 4.02% | 4.15% | 4.05% | 4.26% | 4.06% | +4 bps | |
| Efficiency Ratio | 42.47% | 66.94% | 67.26% | 63.35% | 65.72% | 64.29% | 64.32% | 68.66% | +531 bps | |
| Non-Interest Burden | 2.33% | 2.39% | 2.53% | 2.20% | 2.46% | 2.30% | 2.44% | 2.58% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.72% | -5.54% | -2.71% | -2.46% | 0.79% | 3.02% | 2.37% | 0.15% | +261 bps | |
| Loan Growth (YoY) | 6.37% | 7.83% | 7.60% | 11.60% | 13.26% | 9.43% | 16.17% | 3.38% | -822 bps | |
| Deposit Growth (YoY) | -8.85% | -7.61% | -4.35% | -4.21% | 3.76% | 6.53% | 5.73% | 3.48% | +769 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 | 0.57% | -0.02% | -0.01% | 0.01% | -0.02% | -0.04% | -0.02% | -0.02% | -2 bps | |
| Allowance / Loans | 1.13% | 1.21% | 1.28% | 1.22% | 1.23% | 1.33% | 1.30% | 1.36% | +15 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 | 12.81% | 13.40% | 13.59% | 10.30% | 10.55% | 11.04% | 10.85% | -274 bps | |
| Total Risk-Based Capital | 16.44% | 16.83% | 17.90% | 16.86% | 12.96% | 13.53% | 13.66% | 13.74% | -312 bps | |
| Equity / Assets | 17.39% | 18.26% | 18.59% | 18.61% | 15.00% | 15.52% | 16.01% | 16.02% | -258 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.12% | 74.93% | 75.73% | 82.10% | 78.72% | 76.97% | 83.20% | 82.01% | -9 bps | |
| Liquid Assets / Assets | 11.62% | 9.47% | 9.92% | 6.21% | 8.61% | 10.83% | 5.83% | 7.01% | +80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |