Fort Morgan, CO · Cert 29439
FDIC · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 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.
Fort Morgan, CO · Cert 29439
FDIC · 1 branch
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.60% | 0.72% | 0.72% | 0.68% | 0.42% | 0.89% | -1.11% | -183 bps | |
| Return on Equity | 5.20% | 5.79% | 6.78% | 6.68% | 6.31% | 3.85% | 8.10% | -10.16% | -1,684 bps | |
| Net Interest Margin | 2.44% | 2.52% | 2.55% | 2.59% | 2.63% | 2.71% | 2.73% | 2.71% | +12 bps | |
| Efficiency Ratio | 82.01% | 89.00% | 81.77% | 79.72% | 79.98% | 98.74% | 81.64% | 142.79% | +6,307 bps | |
| Non-Interest Burden | 1.76% | 2.14% | 1.85% | 1.84% | 1.89% | 2.71% | 2.05% | 4.24% | +240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.63% | 9.97% | 5.03% | 1.74% | -3.30% | -3.93% | -4.35% | -8.38% | -1,011 bps | |
| Loan Growth (YoY) | 6.02% | 6.42% | 11.98% | 15.50% | 8.60% | 4.28% | -0.71% | -2.67% | -1,817 bps | |
| Deposit Growth (YoY) | 12.56% | 9.58% | 0.29% | -2.00% | -0.85% | 1.58% | 3.81% | -0.54% | +147 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.75% | 0.73% | 0.70% | 0.69% | 0.69% | 0.70% | 0.70% | 0.70% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 36.5x | 365.0x | 365.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.27% | 10.25% | 10.41% | 10.60% | 10.76% | 10.89% | 11.03% | 9.80% | -79 bps | |
| Total Risk-Based Capital | 18.82% | 18.47% | 17.99% | 18.29% | 18.43% | 18.65% | 20.72% | 18.73% | +44 bps | |
| Equity / Assets | 10.31% | 10.54% | 11.05% | 11.12% | 10.85% | 11.02% | 11.25% | 10.53% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.43% | 52.67% | 56.22% | 57.71% | 54.14% | 54.06% | 53.78% | 56.48% | -124 bps | |
| Liquid Assets / Assets | 4.06% | 3.80% | 3.24% | 3.61% | 5.63% | 4.40% | 11.08% | 8.79% | +517 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |