Durango, CO · Cert 3014
FDIC · 5 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Durango, CO · Cert 3014
FDIC · 5 branches
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.77% | 0.97% | 0.89% | 0.95% | 0.94% | 0.75% | 0.64% | -25 bps | |
| Return on Equity | 6.66% | 8.91% | 12.01% | 10.70% | 11.29% | 11.21% | 8.99% | 7.59% | -311 bps | |
| Net Interest Margin | 2.68% | 2.66% | 2.67% | 2.76% | 2.80% | 2.91% | 3.02% | 3.09% | +33 bps | |
| Efficiency Ratio | 85.74% | 79.57% | 78.98% | 77.76% | 77.61% | 76.94% | 77.25% | 83.72% | +595 bps | |
| Non-Interest Burden | 2.24% | 2.00% | 1.99% | 2.01% | 2.03% | 2.08% | 2.17% | 2.52% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.96% | 4.53% | 8.01% | 5.50% | 3.17% | -3.52% | -6.94% | -6.07% | -1,157 bps | |
| Loan Growth (YoY) | 9.24% | 17.55% | 16.06% | 17.49% | 15.91% | 17.33% | 12.67% | 15.21% | -228 bps | |
| Deposit Growth (YoY) | -3.43% | 4.98% | 8.98% | 5.79% | 3.62% | -3.23% | -6.32% | -5.20% | -1,099 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.12% | 0.09% | 0.23% | 0.70% | 0.58% | 0.54% | +45 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.32% | 0.03% | 0.02% | 0.01% | 0.02% | 0.25% | 0.02% | 0 bps | |
| Allowance / Loans | 1.78% | 1.93% | 1.70% | 1.69% | 1.57% | 1.44% | 1.49% | 1.34% | -34 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 14.8x | 19.7x | 6.7x | 2.1x | 2.5x | 2.5x | -17.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.16% | 8.07% | 8.04% | 8.24% | 8.23% | 8.39% | 8.41% | 8.74% | +50 bps | |
| Total Risk-Based Capital | 13.95% | 13.95% | 13.61% | 13.60% | 13.20% | 12.92% | 13.21% | 13.95% | +36 bps | |
| Equity / Assets | 8.84% | 8.03% | 8.14% | 8.68% | 8.78% | 8.47% | 8.27% | 8.48% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.93% | 37.80% | 37.49% | 39.00% | 42.43% | 45.84% | 45.09% | 47.40% | +840 bps | |
| Liquid Assets / Assets | 4.82% | 10.53% | 9.94% | 6.20% | 3.39% | 3.49% | 6.66% | 9.07% | +287 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |