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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.68% | 0.65% | 0.84% | 0.83% | 0.84% | 0.98% | 0.92% | +9 bps | |
| Return on Equity | 6.70% | 7.02% | 6.58% | 8.42% | 8.37% | 8.42% | 9.47% | 8.87% | +45 bps | |
| Net Interest Margin | 3.61% | 3.54% | 3.71% | 3.72% | 3.75% | 3.74% | 3.91% | 3.91% | +19 bps | |
| Efficiency Ratio | 75.40% | 75.16% | 76.12% | 75.60% | 73.60% | 72.40% | 65.45% | 67.26% | -834 bps | |
| Non-Interest Burden | 2.64% | 2.57% | 2.75% | 2.73% | 2.68% | 2.62% | 2.41% | 2.53% | -20 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 | -0.01% | -0.01% | 0.05% | 0.02% | -0.01% | -0.01% | 0.00% | 0.00% | -2 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 |