Buena Vista, CO · Cert 26916
FDIC · 5 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Buena Vista, CO · Cert 26916
FDIC · 5 branches
Q4 2017
Market Position · Denver-Aurora-Lakewood, CO · 2017 SOD (annual) · 0.3% share · #27 of 71 inst. · $0.2B of $80.7B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.11% | 1.16% | 1.18% | 1.17% | 1.25% | 1.26% | 1.29% | +12 bps | |
| Return on Equity | 9.75% | 9.98% | 10.28% | 10.62% | 10.72% | 11.18% | 11.44% | 11.78% | +117 bps | |
| Net Interest Margin | 3.94% | 4.30% | 4.27% | 4.20% | 4.31% | 4.45% | 4.10% | 3.92% | -29 bps | |
| Efficiency Ratio | 57.55% | 55.62% | 54.62% | 53.93% | 55.90% | 53.84% | 53.39% | 52.53% | -140 bps | |
| Non-Interest Burden | 2.18% | 2.29% | 2.22% | 2.16% | 2.32% | 2.31% | 2.11% | 1.98% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.43% | 8.59% | 2.70% | 11.19% | 13.64% | 13.82% | 25.00% | 7.76% | -344 bps | |
| Loan Growth (YoY) | 3.47% | 9.45% | 12.24% | 20.74% | 22.54% | 14.60% | 9.28% | 9.78% | -1,096 bps | |
| Deposit Growth (YoY) | 0.01% | 6.25% | -0.13% | 10.53% | 15.24% | 16.74% | 28.78% | 8.73% | -180 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.21% | 0.20% | 0.21% | 0.20% | +20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.04% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.24% | 1.21% | 1.25% | 1.25% | 1.20% | 1.24% | 1.27% | 1.22% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 5.8x | 6.1x | 6.2x | 6.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 10.77% | 10.79% | 10.73% | 10.56% | 10.88% | 10.17% | 9.82% | -91 bps | |
| Total Risk-Based Capital | 15.58% | 15.15% | 15.40% | 14.94% | 14.75% | 15.12% | 15.63% | 15.32% | +39 bps | |
| Equity / Assets | 11.60% | 11.97% | 11.74% | 10.48% | 11.36% | 11.75% | 10.52% | 10.93% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.72% | 85.92% | 84.81% | 73.78% | 82.64% | 84.34% | 71.96% | 74.49% | +71 bps | |
| Liquid Assets / Assets | 29.47% | 23.10% | 24.24% | 31.41% | 24.69% | 22.67% | 34.15% | 30.41% | -100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |