Denver, CO · Cert 17482
FDIC · 32 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Denver, CO · Cert 17482
FDIC · 32 branches
Q4 2018
Market Position · Denver-Aurora-Lakewood, CO · 2018 SOD (annual) · 1.7% share · #13 of 69 inst. · $1.5B of $83.9B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.26% | 1.26% | 1.20% | 1.57% | 1.54% | 1.59% | 1.62% | +41 bps | |
| Return on Equity | 10.16% | 10.29% | 10.33% | 9.84% | 12.48% | 12.39% | 12.78% | 12.83% | +300 bps | |
| Net Interest Margin | 3.51% | 3.56% | 3.64% | 3.52% | 3.63% | 3.66% | 3.66% | 3.61% | +9 bps | |
| Efficiency Ratio | 54.69% | 54.11% | 54.24% | 55.26% | 51.51% | 51.95% | 50.71% | 50.31% | -495 bps | |
| Non-Interest Burden | 1.63% | 1.62% | 1.67% | 1.67% | 1.56% | 1.59% | 1.52% | 1.49% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.98% | 42.18% | 4.94% | 9.92% | 9.48% | 10.95% | 8.57% | 1.91% | -801 bps | |
| Loan Growth (YoY) | 40.46% | 35.81% | 10.31% | 11.44% | 10.76% | 11.57% | 10.13% | 3.55% | -789 bps | |
| Deposit Growth (YoY) | 47.79% | 50.05% | 5.45% | 9.04% | 9.66% | 6.74% | 5.59% | 5.27% | -377 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.18% | 0.18% | 0.20% | 0.18% | 0.17% | 0.17% | 0.23% | +3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.05% | 0.04% | 0.01% | 0.02% | 0.02% | 0.02% | -1 bps | |
| Allowance / Loans | 0.90% | 0.90% | 0.86% | 0.83% | 0.82% | 0.83% | 0.81% | 0.82% | -1 bps | |
| Allowance Coverage of NPLs | 4.5x | 5.0x | 4.8x | 4.2x | 4.5x | 4.9x | 4.7x | 3.5x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.92% | 10.60% | 10.89% | 11.05% | 10.95% | 10.67% | 11.10% | 11.37% | +32 bps | |
| Total Risk-Based Capital | 13.29% | 12.99% | 13.00% | 13.03% | 13.19% | 12.82% | 13.20% | 13.84% | +80 bps | |
| Equity / Assets | 12.34% | 12.15% | 12.11% | 12.43% | 12.67% | 12.23% | 12.51% | 13.15% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.87% | 92.64% | 91.34% | 95.05% | 93.81% | 96.83% | 95.27% | 93.49% | -155 bps | |
| Liquid Assets / Assets | 7.30% | 7.20% | 8.18% | 7.11% | 7.17% | 7.56% | 6.67% | 6.46% | -66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |