Lamar, CO · Cert 3027
FDIC · 18 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Lamar, CO · Cert 3027
FDIC · 18 branches
Q2 2016
Market Position · Greeley, CO · 2016 SOD (annual) · 4.8% share · #7 of 24 inst. · $0.2B of $3.5B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.18% | 0.19% | 0.04% | 0.21% | 0.32% | 1.19% | 0.62% | +58 bps | |
| Return on Equity | 1.19% | 1.53% | 1.66% | 0.37% | 1.79% | 2.75% | 9.68% | 5.13% | +476 bps | |
| Net Interest Margin | 3.21% | 3.23% | 3.23% | 3.30% | 3.43% | 3.45% | 3.60% | 3.65% | +35 bps | |
| Efficiency Ratio | 88.19% | 88.01% | 94.78% | 101.14% | 93.90% | 89.89% | 77.87% | 85.95% | -1,519 bps | |
| Non-Interest Burden | 2.80% | 2.81% | 3.02% | 3.30% | 3.18% | 3.05% | 2.66% | 3.05% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.51% | -0.82% | 2.84% | 0.68% | -0.96% | -1.54% | -3.60% | -0.70% | -138 bps | |
| Loan Growth (YoY) | -1.91% | 2.02% | 5.29% | 4.53% | 6.86% | 6.48% | 8.06% | 5.98% | +146 bps | |
| Deposit Growth (YoY) | -4.11% | -1.16% | 2.99% | 0.76% | -1.42% | -2.06% | -4.59% | -0.86% | -161 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 | 1.46% | 1.11% | 0.05% | 0.03% | 0.71% | 0.55% | 1.53% | 0.86% | +83 bps | |
| Allowance / Loans | 2.36% | 2.28% | 2.25% | 2.20% | 1.65% | 1.59% | 1.23% | 1.26% | -94 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 | 9.92% | 9.93% | 10.28% | 10.46% | 10.50% | 9.82% | -11 bps | |
| Total Risk-Based Capital | 16.00% | 15.81% | 15.43% | 15.20% | 15.53% | 15.68% | 15.57% | 14.75% | -45 bps | |
| Equity / Assets | 11.86% | 11.51% | 11.58% | 11.73% | 12.28% | 12.01% | 12.54% | 11.80% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.93% | 62.79% | 62.97% | 65.84% | 69.29% | 68.27% | 71.32% | 70.38% | +454 bps | |
| Liquid Assets / Assets | 4.81% | 6.84% | 6.60% | 3.23% | 3.04% | 6.66% | 5.12% | 5.57% | +234 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |