Scottsbluff, NE · Cert 34186
FDIC · 11 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 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.
Scottsbluff, NE · Cert 34186
FDIC · 11 branches
Q1 2016
Market Position · Fort Collins, CO · 2015 SOD (annual) · 1.6% share · #14 of 29 inst. · $0.1B of $6.9B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.64% | 0.41% | 0.54% | 0.81% | 0.76% | 0.32% | 0.56% | +2 bps | |
| Return on Equity | 5.68% | 6.04% | 3.86% | 5.15% | 7.91% | 7.36% | 3.09% | 5.39% | +25 bps | |
| Net Interest Margin | 3.63% | 3.58% | 3.67% | 3.45% | 3.45% | 3.38% | 3.43% | 3.45% | 0 bps | |
| Efficiency Ratio | 82.10% | 81.33% | 92.52% | 84.29% | 78.77% | 82.11% | 86.65% | 81.91% | -238 bps | |
| Non-Interest Burden | 2.79% | 2.71% | 3.33% | 2.73% | 2.31% | 2.60% | 2.83% | 2.69% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.29% | -1.28% | -2.39% | -2.22% | 8.71% | 5.26% | 7.28% | -5.17% | -295 bps | |
| Loan Growth (YoY) | 2.17% | -2.06% | -2.57% | -0.23% | 3.71% | 4.69% | 3.16% | 3.22% | +346 bps | |
| Deposit Growth (YoY) | 6.01% | 5.23% | -1.05% | -2.17% | 9.52% | 5.65% | 8.40% | -6.06% | -389 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 | 0.11% | 0.09% | 0.09% | 0.00% | 0.02% | 0.10% | 0.07% | 0.32% | +31 bps | |
| Allowance / Loans | 1.57% | 1.56% | 1.32% | 1.32% | 1.27% | 1.26% | 1.78% | 1.70% | +38 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 | 9.68% | 9.91% | 9.74% | 9.55% | 9.96% | +28 bps | |
| Total Risk-Based Capital | 13.70% | 13.88% | 13.47% | 13.41% | 12.98% | 13.35% | 12.99% | 13.26% | -15 bps | |
| Equity / Assets | 10.54% | 10.81% | 10.66% | 10.39% | 9.83% | 10.40% | 9.82% | 11.03% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.77% | 83.80% | 84.75% | 82.34% | 78.38% | 83.04% | 80.66% | 90.48% | +813 bps | |
| Liquid Assets / Assets | 4.76% | 4.83% | 4.72% | 4.54% | 4.14% | 10.30% | 5.95% | 3.39% | -115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |