PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Vectra Bank

Denver, CO · Cert 22656

FDIC

Q1 1998

$694.4MAssets
$416.0MLoans
$554.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.20%, down 1 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 74.98% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.20%-1 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets0.98%1.08%1.18%1.22%1.29%1.29%0.68%1.20%-1 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)78.57%80.41%62.20%39.08%11.50%26.52%25.00%15.60%-2,348 bps
Loan Growth (YoY)98.68%94.09%74.80%60.45%23.50%37.88%29.00%19.29%-4,116 bps
Deposit Growth (YoY)128.93%110.66%76.77%39.47%1.77%24.76%26.53%25.97%-1,350 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits71.10%74.43%76.05%79.18%86.28%82.27%77.53%74.98%-420 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a