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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.88% | 0.72% | 0.73% | 0.94% | 1.21% | 0.97% | -0.60% | -133 bps | |
| Return on Equity | 8.92% | 8.97% | 7.12% | 7.03% | 9.15% | 12.00% | 9.86% | -6.38% | -1,341 bps | |
| Net Interest Margin | 3.60% | 3.69% | 3.76% | 3.68% | 3.88% | 3.81% | 3.53% | 3.58% | -10 bps | |
| Efficiency Ratio | 73.32% | 73.95% | 77.29% | 77.06% | 73.01% | 68.31% | 74.30% | 106.64% | +2,957 bps | |
| Non-Interest Burden | 2.55% | 2.58% | 2.83% | 2.76% | 2.73% | 2.47% | 2.53% | 3.84% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.53% | -0.78% | -5.85% | -3.21% | -1.50% | -0.26% | 5.99% | 4.91% | +812 bps | |
| Loan Growth (YoY) | 0.88% | -3.68% | -3.24% | 2.76% | 7.06% | 0.17% | 1.87% | 1.00% | -176 bps | |
| Deposit Growth (YoY) | 3.93% | 5.65% | -7.28% | -4.53% | -3.28% | -1.81% | 5.08% | 4.57% | +910 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.70% | 0.31% | +31 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.06% | 0.01% | 1.04% | 0.01% | 0.11% | 0.03% | 0.16% | -88 bps | |
| Allowance / Loans | 1.57% | 1.53% | 1.67% | 1.44% | 1.44% | 1.45% | 1.49% | 1.55% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 2.1x | 5.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.51% | 9.50% | 9.84% | 9.81% | 9.98% | 9.94% | 9.91% | 8.86% | -95 bps | |
| Total Risk-Based Capital | 13.11% | 12.90% | 13.22% | 13.13% | 12.74% | 12.83% | 13.49% | 12.41% | -72 bps | |
| Equity / Assets | 9.80% | 9.78% | 10.38% | 10.29% | 10.30% | 9.80% | 9.87% | 9.10% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.13% | 88.80% | 88.77% | 89.28% | 93.12% | 90.60% | 86.07% | 86.23% | -305 bps | |
| Liquid Assets / Assets | 0.92% | 0.18% | 0.40% | 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 | n/a | n/a | n/a |