Denver, CO · Cert 22683
FDIC · 15 branches
Q4 2018
Market Position · Denver-Aurora-Lakewood, CO · 2018 SOD (annual) · 2.3% share · #7 of 69 inst. · $1.9B of $83.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 1.42% | 1.52% | 0.73% | -1.87% | -256 bps | |
| Return on Equity | 6.45% | 14.20% | 16.11% | 7.58% | -11.33% | -1,779 bps | |
| Net Interest Margin | 3.82% | 3.78% | 3.80% | 3.88% | -6.74% | -1,056 bps | |
| Efficiency Ratio | 56.83% | 59.42% | 58.62% | 82.48% | 54.15% | -268 bps | |
| Non-Interest Burden | 2.01% | 2.08% | 2.07% | 3.13% | -4.14% | -614 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.09% | 2.39% | 2.14% | 0.42% | 16.29% | +1,020 bps | |
| Loan Growth (YoY) | 7.26% | 3.31% | 0.20% | -1.76% | -7.19% | -1,446 bps | |
| Deposit Growth (YoY) | 6.44% | 4.30% | 2.22% | 3.24% | 2.16% | -428 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.59% | 0.55% | 0.54% | 0.47% | +22 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.11% | 0.01% | -0.03% | -0.09% | -7 bps | |
| Allowance / Loans | 1.20% | 1.19% | 1.16% | 1.15% | 0.00% | -120 bps | |
| Allowance Coverage of NPLs | 4.8x | 2.0x | 2.1x | 2.1x | 0.0x | -4.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.47% | 9.15% | 9.56% | 9.79% | 8.25% | -222 bps | |
| Total Risk-Based Capital | 13.23% | 13.70% | 14.00% | 14.18% | 12.83% | -40 bps | |
| Equity / Assets | 10.66% | 9.34% | 9.54% | 9.79% | 22.32% | +1,166 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.76% | 96.18% | 96.92% | 92.69% | 87.90% | -886 bps | |
| Liquid Assets / Assets | 9.52% | 10.56% | 10.55% | 10.10% | 0.80% | -872 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |