Montrose, CO · Cert 90528
FDIC · 6 branches
Q4 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.60% | 1.46% | 1.45% | 1.41% | 1.38% | 1.38% | 1.48% | +3 bps | |
| Return on Equity | 16.25% | 15.04% | 13.77% | 13.74% | 13.62% | 13.31% | 13.26% | 14.21% | +47 bps | |
| Net Interest Margin | 3.58% | 3.49% | 3.53% | 3.50% | 3.45% | 3.45% | 3.35% | 3.30% | -20 bps | |
| Efficiency Ratio | 60.85% | 62.63% | 64.46% | 64.84% | 65.45% | 65.82% | 65.70% | 63.09% | -175 bps | |
| Non-Interest Burden | 1.82% | 1.89% | 2.02% | 2.03% | 2.03% | 2.07% | 2.01% | 1.86% | -17 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% | 0.24% | 0.49% | 0.37% | 0.79% | 0.63% | 0.42% | 0.35% | -3 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 |