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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -0.41% | -0.62% | -0.94% | -1.32% | -1.32% | -1.00% | -0.44% | +50 bps | |
| Return on Equity | -0.88% | -3.03% | -4.51% | -7.15% | -10.46% | -11.00% | -8.69% | -3.89% | +325 bps | |
| Net Interest Margin | 2.86% | 2.51% | 2.04% | 1.60% | 1.37% | 1.16% | 1.40% | 1.10% | -49 bps | |
| Efficiency Ratio | 111.47% | 124.96% | 122.84% | 148.28% | 168.46% | 193.85% | 165.36% | 202% | +5,368 bps | |
| Non-Interest Burden | 3.21% | 3.18% | 2.57% | 2.53% | 2.45% | 2.46% | 2.37% | 2.35% | -18 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 |