Granby, CO · Cert 57531
FDIC · 4 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Granby, CO · Cert 57531
FDIC · 4 branches
Q4 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 2.25% | 1.61% | 1.32% | 0.50% | 0.59% | 0.65% | 0.70% | -62 bps | |
| Return on Equity | 5.50% | 23.15% | 16.53% | 13.45% | 5.05% | 5.96% | 6.68% | 7.20% | -626 bps | |
| Net Interest Margin | 3.46% | 3.53% | 3.45% | 3.45% | 3.79% | 3.72% | 3.56% | 3.61% | +16 bps | |
| Efficiency Ratio | 86.23% | 86.51% | 86.87% | 86.47% | 83.85% | 81.79% | 79.94% | 78.73% | -774 bps | |
| Non-Interest Burden | 2.93% | 2.98% | 2.92% | 2.91% | 3.09% | 2.95% | 2.75% | 2.73% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.62% | 8.03% | 7.02% | 4.45% | 9.05% | 11.42% | 12.08% | 16.26% | +1,181 bps | |
| Loan Growth (YoY) | 13.24% | 13.47% | 10.77% | 16.02% | 18.83% | 21.03% | 18.94% | 26.04% | +1,001 bps | |
| Deposit Growth (YoY) | 0.46% | 3.02% | 6.40% | 7.40% | 12.01% | 14.55% | 12.63% | 19.13% | +1,172 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.79% | 0.76% | 0.85% | 0.69% | 0.41% | 0.38% | 0.38% | 0.49% | -20 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.08% | -0.15% | -0.12% | -0.03% | -0.04% | -0.04% | -0.06% | +6 bps | |
| Allowance / Loans | 1.56% | 1.52% | 1.56% | 1.48% | 1.41% | 1.35% | 1.36% | 1.23% | -24 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.0x | 1.8x | 2.1x | 3.5x | 3.5x | 3.6x | 2.5x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.67% | 9.88% | 9.49% | 9.33% | 9.55% | 9.39% | 8.99% | 9.16% | -16 bps | |
| Total Risk-Based Capital | 19.75% | 19.39% | 19.27% | 18.21% | 17.32% | 17.08% | 17.09% | 16.26% | -195 bps | |
| Equity / Assets | 9.50% | 10.28% | 9.75% | 10.03% | 9.92% | 9.76% | 9.33% | 9.40% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.91% | 73.17% | 68.65% | 76.37% | 76.29% | 77.31% | 72.50% | 80.80% | +443 bps | |
| Liquid Assets / Assets | 16.08% | 14.24% | 18.11% | 13.12% | 12.31% | 16.95% | 24.02% | 16.00% | +288 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |