Denver, CO · Cert 17244
FDIC · 3 branches
Q4 2023
Market Position · Denver-Aurora-Centennial, CO · 2023 SOD (annual) · 0.2% share · #32 of 67 inst. · $0.2B of $114.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.46% | 0.58% | 0.71% | -0.32% | -66 bps | |
| Return on Equity | 5.03% | 6.76% | 8.40% | 10.60% | -4.62% | -964 bps | |
| Net Interest Margin | 3.39% | 3.38% | 3.32% | 3.47% | 3.45% | +6 bps | |
| Efficiency Ratio | 69.79% | 77.43% | 79.94% | 76.59% | 113.39% | +4,360 bps | |
| Non-Interest Burden | 2.30% | 2.57% | 2.61% | 2.61% | 3.93% | +163 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.60% | -1.28% | -0.55% | -2.17% | 0.78% | +739 bps | |
| Loan Growth (YoY) | 18.67% | 15.87% | 11.64% | 5.58% | 6.50% | -1,217 bps | |
| Deposit Growth (YoY) | -5.07% | -4.12% | -4.73% | -6.63% | -7.17% | -210 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.18% | 0.26% | +25 bps | |
| Allowance / Loans | 0.94% | 1.23% | 1.22% | 1.16% | 1.05% | +10 bps | |
| Allowance Coverage of NPLs | 206.1x | n/a | 302.4x | 52.9x | 52.3x | -153.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.19% | 8.88% | 8.64% | 8.89% | 9.10% | -9 bps | |
| Total Risk-Based Capital | 12.73% | 13.05% | 12.68% | 12.79% | 12.10% | -64 bps | |
| Equity / Assets | 6.96% | 6.81% | 6.89% | 6.50% | 7.22% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.53% | 78.23% | 81.80% | 85.90% | 88.94% | +1,141 bps | |
| Liquid Assets / Assets | 0.75% | 0.71% | 1.53% | 0.82% | 0.19% | -56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |