Greeley, CO · Cert 34328
FDIC · 2 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, 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.
Greeley, CO · Cert 34328
FDIC · 2 branches
Q3 2021
Market Position · Greeley, CO · 2021 SOD (annual) · 1.5% share · #15 of 23 inst. · $0.1B of $5.7B
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | -0.41% | -0.51% | -0.65% | -0.82% | -1.32% | -1.15% | -0.91% | -26 bps | |
| Return on Equity | 2.15% | -3.03% | -3.77% | -4.88% | -6.25% | -11.00% | -9.84% | -7.87% | -299 bps | |
| Net Interest Margin | 3.49% | 2.51% | 2.26% | 2.01% | 1.84% | 1.16% | 1.26% | 1.20% | -81 bps | |
| Efficiency Ratio | 89.75% | 124.96% | 123.97% | 130.88% | 137.99% | 193.85% | 178.86% | 185.86% | +5,498 bps | |
| Non-Interest Burden | 3.08% | 3.18% | 2.85% | 2.70% | 2.63% | 2.46% | 2.38% | 2.36% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.39% | -17.14% | -11.09% | -5.90% | -0.87% | 10.30% | 7.49% | 6.70% | +1,260 bps | |
| Loan Growth (YoY) | -18.31% | -26.45% | -32.80% | -35.53% | -39.88% | -36.95% | -36.30% | -31.02% | +451 bps | |
| Deposit Growth (YoY) | -9.70% | -20.34% | -12.51% | -6.19% | 0.03% | 13.84% | 10.02% | 8.85% | +1,504 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.72% | 0.81% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.89% | 1.01% | 1.12% | 1.19% | 0.92% | 1.01% | 1.12% | 1.11% | -8 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.4x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.03% | 13.73% | 13.16% | 12.66% | 12.44% | 11.63% | 10.99% | 10.79% | -188 bps | |
| Total Risk-Based Capital | 25.23% | 13.73% | 13.16% | 12.66% | 32.92% | 35.24% | 37.43% | 38.00% | +2,533 bps | |
| Equity / Assets | 12.91% | 14.41% | 13.25% | 12.96% | 12.19% | 11.75% | 11.24% | 11.24% | -173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.15% | 48.61% | 39.99% | 37.41% | 29.54% | 26.92% | 23.15% | 23.71% | -1,370 bps | |
| Liquid Assets / Assets | 34.60% | 40.55% | 49.88% | 42.41% | 50.71% | 46.93% | 39.11% | 34.80% | -760 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |