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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.65% | -0.82% | -1.32% | -1.15% | -0.91% | -26 bps | |
| Return on Equity | -4.88% | -6.25% | -11.00% | -9.84% | -7.87% | -299 bps | |
| Net Interest Margin | 2.01% | 1.84% | 1.16% | 1.26% | 1.20% | -81 bps | |
| Efficiency Ratio | 130.88% | 137.99% | 193.85% | 178.86% | 185.86% | +5,498 bps | |
| Non-Interest Burden | 2.70% | 2.63% | 2.46% | 2.38% | 2.36% | -35 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.90% | -0.87% | 10.30% | 7.49% | 6.70% | +1,260 bps | |
| Loan Growth (YoY) | -35.53% | -39.88% | -36.95% | -36.30% | -31.02% | +451 bps | |
| Deposit Growth (YoY) | -6.19% | 0.03% | 13.84% | 10.02% | 8.85% | +1,504 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 1.19% | 0.92% | 1.01% | 1.12% | 1.11% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.66% | 12.44% | 11.63% | 10.99% | 10.79% | -188 bps | |
| Total Risk-Based Capital | 12.66% | 32.92% | 35.24% | 37.43% | 38.00% | +2,533 bps | |
| Equity / Assets | 12.96% | 12.19% | 11.75% | 11.24% | 11.24% | -173 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.41% | 29.54% | 26.92% | 23.15% | 23.71% | -1,370 bps | |
| Liquid Assets / Assets | 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 |