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 (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 | 1.07% | 1.11% | 1.17% | 1.04% | 1.42% | 1.47% | 1.22% | 0.40% | -65 bps | |
| Return on Equity | 10.21% | 10.60% | 11.08% | 9.90% | 14.20% | 14.90% | 12.44% | 3.15% | -675 bps | |
| Net Interest Margin | 3.56% | 3.53% | 3.60% | 3.60% | 3.78% | 3.78% | 3.81% | 1.13% | -247 bps | |
| Efficiency Ratio | 62.72% | 60.40% | 58.30% | 57.92% | 59.42% | 59.02% | 66.94% | 46.53% | -1,139 bps | |
| Non-Interest Burden | 2.06% | 1.97% | 1.93% | 1.92% | 2.08% | 2.07% | 2.42% | 0.49% | -143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.27% | 10.07% | 11.23% | 6.09% | 2.39% | 2.14% | 0.42% | 16.29% | +1,020 bps | |
| Loan Growth (YoY) | 9.99% | 8.83% | 10.49% | 7.26% | 3.31% | 0.20% | -1.76% | -7.19% | -1,446 bps | |
| Deposit Growth (YoY) | 10.02% | 9.36% | 8.30% | 6.44% | 4.30% | 2.22% | 3.24% | 2.16% | -428 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.15% | 0.16% | 0.25% | 0.59% | 0.55% | 0.54% | 0.47% | +22 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.06% | -0.05% | -0.04% | 0.11% | 0.06% | 0.03% | 0.00% | +4 bps | |
| Allowance / Loans | 1.14% | 1.16% | 1.17% | 1.20% | 1.19% | 1.16% | 1.15% | 0.00% | -120 bps | |
| Allowance Coverage of NPLs | 7.8x | 7.9x | 7.5x | 4.8x | 2.0x | 2.1x | 2.1x | 0.0x | -4.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.32% | 10.19% | 10.44% | 10.47% | 9.15% | 9.56% | 9.79% | 8.25% | -222 bps | |
| Total Risk-Based Capital | 12.85% | 12.94% | 13.09% | 13.23% | 13.70% | 14.00% | 14.18% | 12.83% | -40 bps | |
| Equity / Assets | 10.44% | 10.50% | 10.65% | 10.66% | 9.34% | 9.54% | 9.79% | 22.32% | +1,166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.10% | 98.87% | 97.41% | 96.76% | 96.18% | 96.92% | 92.69% | 87.90% | -886 bps | |
| Liquid Assets / Assets | 11.24% | 10.56% | 9.96% | 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 | n/a | n/a | n/a |