Laramie, WY · Cert 58395
FDIC · 10 branches
Q4 2021
Market Position · Fort Collins, CO · 2021 SOD (annual) · 1.4% share · #15 of 25 inst. · $0.2B of $11.1B
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 1.24% | 1.09% | 1.01% | 1.21% | 1.16% | 1.06% | 0.83% | -18 bps | |
| Return on Equity | 6.34% | 10.00% | 8.90% | 8.61% | 12.30% | 11.68% | 10.68% | 8.33% | -28 bps | |
| Net Interest Margin | 3.69% | 3.95% | 3.64% | 3.54% | 3.76% | 3.76% | 3.49% | 3.37% | -18 bps | |
| Efficiency Ratio | 75.98% | 64.91% | 67.00% | 68.54% | 62.99% | 64.25% | 66.30% | 73.56% | +503 bps | |
| Non-Interest Burden | 2.71% | 2.45% | 2.33% | 2.34% | 2.25% | 2.29% | 2.18% | 2.38% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.26% | 14.86% | 15.10% | 11.74% | 13.62% | -0.85% | -0.50% | 1.71% | -1,003 bps | |
| Loan Growth (YoY) | -2.14% | 13.72% | 15.87% | 10.88% | 8.68% | -6.38% | -10.81% | -4.86% | -1,574 bps | |
| Deposit Growth (YoY) | 0.78% | 15.81% | 15.98% | 15.21% | 17.77% | 1.00% | 1.49% | 1.67% | -1,354 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.84% | 0.51% | 0.95% | 0.80% | 0.73% | 0.68% | 1.04% | 0.87% | +7 bps | |
| Net Charge-Offs / Loans | 0.59% | 0.34% | 0.22% | 0.03% | 0.08% | 0.02% | 0.02% | 0.04% | +1 bps | |
| Allowance / Loans | 1.70% | 1.51% | 1.52% | 1.74% | 1.74% | 1.83% | 1.91% | 1.82% | +8 bps | |
| Allowance Coverage of NPLs | 2.0x | 3.0x | 1.6x | 2.2x | 2.4x | 2.7x | 1.8x | 2.1x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.57% | 11.80% | 11.62% | 9.31% | 9.69% | 9.94% | 9.86% | 9.61% | +30 bps | |
| Total Risk-Based Capital | 16.82% | 11.80% | 11.62% | 9.31% | 9.69% | 9.94% | 9.86% | 9.61% | +30 bps | |
| Equity / Assets | 12.92% | 11.72% | 11.76% | 9.88% | 9.75% | 10.10% | 10.02% | 9.96% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.35% | 80.34% | 79.64% | 78.04% | 76.92% | 74.47% | 69.98% | 73.03% | -501 bps | |
| Liquid Assets / Assets | 7.26% | 6.04% | 6.70% | 7.48% | 7.60% | 7.95% | 9.60% | 11.15% | +368 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |