Loveland, CO · Cert 57072
FDIC · 3 branches
Q2 2019
Market Position · Fort Collins, CO · 2019 SOD (annual) · 1.7% share · #13 of 25 inst. · $0.1B of $8.0B
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.41% | 1.53% | 2.05% | 2.05% | 2.01% | 1.96% | 2.14% | +9 bps | |
| Return on Equity | 15.66% | 13.94% | 14.55% | 19.19% | 18.70% | 17.90% | 15.46% | 16.54% | -266 bps | |
| Net Interest Margin | 4.42% | 4.38% | 4.66% | 4.73% | 4.76% | 4.70% | 4.66% | 4.79% | +7 bps | |
| Efficiency Ratio | 46.05% | 48.61% | 53.44% | 49.70% | 48.92% | 48.96% | 48.92% | 43.73% | -597 bps | |
| Non-Interest Burden | 1.66% | 1.85% | 2.38% | 2.34% | 2.26% | 2.18% | 2.25% | 2.04% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.15% | 9.35% | 9.00% | 7.02% | 3.99% | 3.33% | 0.29% | -0.70% | -772 bps | |
| Loan Growth (YoY) | 11.80% | 9.45% | 10.70% | 7.50% | 4.38% | 4.77% | 3.03% | 0.87% | -663 bps | |
| Deposit Growth (YoY) | 5.68% | 4.49% | 4.69% | 1.48% | 1.24% | 3.07% | -1.90% | 1.45% | -3 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.17% | 0.12% | 0.12% | 0.12% | 0.12% | 0.28% | 0.48% | +36 bps | |
| Net Charge-Offs / Loans | 1.27% | 0.95% | 0.00% | 0.00% | 0.00% | 0.00% | -0.34% | -0.17% | -17 bps | |
| Allowance / Loans | 0.74% | 0.80% | 0.85% | 0.84% | 0.83% | 0.83% | 0.82% | 0.83% | -1 bps | |
| Allowance Coverage of NPLs | 1.6x | 4.6x | 6.8x | 6.9x | 6.9x | 7.1x | 2.9x | 1.7x | -5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.10% | 10.26% | 10.71% | 10.91% | 11.63% | 11.96% | 12.63% | 13.22% | +231 bps | |
| Total Risk-Based Capital | 13.25% | 13.83% | 14.17% | 14.64% | 15.33% | 15.94% | 16.60% | 17.26% | +262 bps | |
| Equity / Assets | 10.20% | 10.40% | 10.62% | 11.08% | 11.78% | 12.36% | 13.01% | 13.50% | +242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.87% | 101.29% | 101.19% | 101.74% | 102.97% | 102.97% | 106.29% | 101.15% | -58 bps | |
| Liquid Assets / Assets | 5.78% | 6.92% | 8.11% | 7.86% | 7.88% | 9.51% | 8.02% | 9.63% | +177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |