Montrose, CO · Cert 90528
FDIC · 6 branches
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.46% | 1.19% | 1.43% | 1.41% | 1.35% | 1.37% | 1.78% | +35 bps | |
| Return on Equity | 16.25% | 13.72% | 11.25% | 13.71% | 13.62% | 13.01% | 13.13% | 17.03% | +332 bps | |
| Net Interest Margin | 3.58% | 3.43% | 3.57% | 3.59% | 3.45% | 3.48% | 3.28% | 3.22% | -36 bps | |
| Efficiency Ratio | 60.85% | 64.57% | 68.24% | 65.97% | 65.45% | 66.21% | 65.44% | 55.35% | -1,062 bps | |
| Non-Interest Burden | 1.82% | 1.97% | 2.25% | 2.17% | 2.03% | 2.12% | 1.97% | 1.47% | -70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.82% | 1.07% | 0.41% | 0.54% | 2.49% | 5.09% | 4.63% | 4.70% | +415 bps | |
| Loan Growth (YoY) | -15.56% | -13.38% | -14.16% | -10.48% | -10.28% | -9.99% | -8.07% | -8.23% | +224 bps | |
| Deposit Growth (YoY) | 1.61% | 1.23% | 0.75% | 0.77% | 2.91% | 5.28% | 4.72% | 4.66% | +390 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.41% | 0.08% | 0.96% | -0.01% | 0.79% | 0.47% | -0.04% | 0.10% | +12 bps | |
| Allowance / Loans | 2.04% | 2.02% | 1.96% | 2.01% | 1.89% | 1.77% | 1.82% | 1.84% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 21.91% | 22.03% | 22.41% | 22.85% | 23.18% | 23.02% | 23.77% | 23.85% | +100 bps | |
| Equity / Assets | 10.60% | 10.63% | 10.50% | 10.40% | 10.25% | 10.48% | 10.46% | 10.49% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.28% | 47.67% | 45.06% | 43.39% | 40.35% | 40.76% | 39.56% | 38.04% | -535 bps | |
| Liquid Assets / Assets | 23.39% | 23.66% | 26.01% | 26.31% | 27.49% | 26.27% | 28.77% | 27.12% | +81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |