McCook, NE · Cert 5417
FDIC · 5 branches
Q2 2017
Market Position · Denver-Aurora-Lakewood, CO · 2017 SOD (annual) · 0.1% share · #50 of 71 inst. · $0.0B of $80.7B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.79% | 0.90% | 0.97% | 0.18% | -54 bps | |
| Return on Equity | 7.08% | 7.78% | 8.86% | 9.86% | 1.86% | -522 bps | |
| Net Interest Margin | 3.72% | 3.79% | 3.77% | 3.53% | 3.52% | -20 bps | |
| Efficiency Ratio | 77.18% | 75.75% | 73.85% | 74.30% | 90.85% | +1,367 bps | |
| Non-Interest Burden | 2.79% | 2.79% | 2.69% | 2.53% | 3.16% | +37 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.21% | -1.50% | -0.26% | 5.99% | 4.91% | +812 bps | |
| Loan Growth (YoY) | 2.76% | 7.06% | 0.17% | 1.87% | 1.00% | -176 bps | |
| Deposit Growth (YoY) | -4.53% | -3.28% | -1.81% | 5.08% | 4.57% | +910 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.70% | 0.31% | +31 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.34% | 0.28% | 0.03% | 0.09% | -43 bps | |
| Allowance / Loans | 1.44% | 1.44% | 1.45% | 1.49% | 1.55% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.1x | 5.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.81% | 9.98% | 9.94% | 9.91% | 8.86% | -95 bps | |
| Total Risk-Based Capital | 13.13% | 12.74% | 12.83% | 13.49% | 12.41% | -72 bps | |
| Equity / Assets | 10.29% | 10.30% | 9.80% | 9.87% | 9.10% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.28% | 93.12% | 90.60% | 86.07% | 86.23% | -305 bps | |
| Liquid Assets / Assets | 2.02% | 0.04% | 3.13% | 8.23% | 6.82% | +480 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |