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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.64% | 0.68% | 0.60% | 0.46% | 0.52% | 0.58% | 0.36% | -24 bps | |
| Return on Equity | 6.54% | 8.33% | 9.09% | 8.08% | 6.76% | 7.59% | 8.61% | 5.22% | -286 bps | |
| Net Interest Margin | 2.86% | 3.08% | 3.20% | 3.37% | 3.38% | 3.33% | 3.40% | 3.50% | +13 bps | |
| Efficiency Ratio | 80.03% | 76.45% | 75.65% | 74.19% | 77.43% | 78.68% | 77.97% | 86.67% | +1,247 bps | |
| Non-Interest Burden | 2.24% | 2.29% | 2.36% | 2.44% | 2.57% | 2.58% | 2.61% | 3.00% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.11% | -1.15% | -7.50% | -6.60% | -1.28% | -0.55% | -2.17% | 0.78% | +739 bps | |
| Loan Growth (YoY) | 8.10% | 19.58% | 14.59% | 18.67% | 15.87% | 11.64% | 5.58% | 6.50% | -1,217 bps | |
| Deposit Growth (YoY) | 5.39% | 1.37% | -5.40% | -5.07% | -4.12% | -4.73% | -6.63% | -7.17% | -210 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.02% | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.02% | -0.01% | 0.00% | 0.00% | 0.06% | 0.11% | +12 bps | |
| Allowance / Loans | 1.09% | 1.04% | 0.99% | 0.94% | 1.23% | 1.22% | 1.16% | 1.05% | +10 bps | |
| Allowance Coverage of NPLs | 35.5x | 33.1x | 63.1x | 206.1x | n/a | 302.4x | 52.9x | 52.3x | -153.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.31% | 8.69% | 8.84% | 9.19% | 8.88% | 8.64% | 8.89% | 9.10% | -9 bps | |
| Total Risk-Based Capital | 14.08% | 13.53% | 13.57% | 12.73% | 13.05% | 12.68% | 12.79% | 12.10% | -64 bps | |
| Equity / Assets | 7.84% | 6.81% | 6.69% | 6.96% | 6.81% | 6.89% | 6.50% | 7.22% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.73% | 69.81% | 75.97% | 77.53% | 78.23% | 81.80% | 85.90% | 88.94% | +1,141 bps | |
| Liquid Assets / Assets | 6.19% | 5.31% | 0.78% | 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 | n/a | n/a | n/a |