Aurora, CO · Cert 19858
FDIC · 12 branches
Q2 2017
Market Position · Denver-Aurora-Lakewood, CO · 2017 SOD (annual) · 1.4% share · #14 of 71 inst. · $1.2B of $80.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.76% | 0.65% | 1.03% | 0.83% | 0.86% | 0.98% | 0.88% | -15 bps | |
| Return on Equity | 5.94% | 7.93% | 6.58% | 10.22% | 8.25% | 8.53% | 9.47% | 8.29% | -193 bps | |
| Net Interest Margin | 3.70% | 3.76% | 3.71% | 3.78% | 3.88% | 3.90% | 3.91% | 3.93% | +16 bps | |
| Efficiency Ratio | 74.34% | 74.52% | 76.12% | 75.10% | 69.73% | 69.03% | 65.45% | 69.17% | -594 bps | |
| Non-Interest Burden | 2.71% | 2.69% | 2.75% | 2.75% | 2.63% | 2.56% | 2.41% | 2.67% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.98% | 5.81% | 3.51% | 6.12% | 4.40% | 3.10% | 3.16% | 2.88% | -324 bps | |
| Loan Growth (YoY) | 7.00% | 10.31% | 12.22% | 17.36% | 18.84% | 12.35% | 7.19% | 2.13% | -1,523 bps | |
| Deposit Growth (YoY) | 3.26% | 5.90% | 3.33% | 0.44% | 3.54% | 2.33% | 2.27% | 7.06% | +661 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | 0.07% | +7 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.05% | -0.01% | -0.06% | -0.03% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.90% | 1.82% | 1.75% | 1.46% | 1.43% | 1.46% | 1.48% | 1.43% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 11.9x | 19.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.80% | 9.58% | 9.90% | 10.02% | 10.15% | 10.20% | 10.53% | 10.71% | +69 bps | |
| Total Risk-Based Capital | 13.47% | 13.25% | 13.17% | 12.92% | 12.75% | 12.91% | 13.61% | 13.90% | +98 bps | |
| Equity / Assets | 9.69% | 9.58% | 10.06% | 10.10% | 10.10% | 10.12% | 10.58% | 10.57% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.54% | 76.52% | 81.10% | 88.92% | 85.55% | 84.00% | 85.00% | 84.83% | -410 bps | |
| Liquid Assets / Assets | 8.09% | 4.94% | 1.65% | 1.47% | 1.90% | 3.54% | 2.45% | 4.05% | +259 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |