Meeker, CO · Cert 3041
FDIC · 10 branches
Q2 2014
Market Position · Grand Junction, CO · 2014 SOD (annual) · 3.6% share · #8 of 14 inst. · $0.1B of $2.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | -0.47% | 1.53% | 0.64%1 | -0.65% | 2.71% | 0.73% | 0.50% | -14 bps | |
| Return on Equity | 2.29% | -4.68% | 14.96% | 6.25% | -6.73% | 28.90% | 7.63% | 4.99% | -126 bps | |
| Net Interest Margin | 3.01% | 2.83% | 2.84% | 2.82% | 2.67% | 2.87% | 2.62% | 2.67% | -14 bps | |
| Efficiency Ratio | 97.16% | 105.40% | 93.62% | 96.22% | 138.28% | 94.87% | 83.57% | 93.84% | -238 bps | |
| Non-Interest Burden | 2.89% | 3.03% | 2.61% | 2.67% | 4.05% | 2.68% | 2.03% | 2.48% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.03% | -2.84% | -3.41% | -3.65% | -4.00% | 2.76% | 3.99% | 8.74% | +1,238 bps | |
| Loan Growth (YoY) | -0.29% | -3.57% | 2.81% | 5.88% | 4.84% | 9.03% | 8.10% | 11.69% | +581 bps | |
| Deposit Growth (YoY) | 0.28% | -5.16% | -7.79% | -4.55% | -3.84% | -0.78% | 7.54% | 8.98% | +1,353 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 | 1.65% | 0.21% | -0.32% | 0.36% | -0.25% | -0.07% | -0.30% | 0.17% | -20 bps | |
| Allowance / Loans | 2.85% | 2.91% | 2.06% | 1.95% | 1.49% | 1.51% | 1.54% | 1.25% | -70 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.75% | 18.12% | 18.12% | 19.08% | 17.98% | 17.45% | 17.74% | 17.36% | -172 bps | |
| Equity / Assets | 10.02% | 10.16% | 10.36% | 9.98% | 9.39% | 9.34% | 9.80% | 10.11% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.79% | 40.01% | 42.94% | 43.83% | 44.47% | 43.96% | 43.16% | 44.91% | +109 bps | |
| Liquid Assets / Assets | 0.76% | 0.78% | 0.78% | 0.82% | 0.72% | 0.53% | 0.00% | 0.01% | -81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |