Brighton, CO · Cert 25651
FDIC · 7 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Brighton, CO · Cert 25651
FDIC · 7 branches
Q3 2017
Market Position · Denver-Aurora-Lakewood, CO · 2017 SOD (annual) · 0.3% share · #26 of 71 inst. · $0.2B 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 1.09% | 1.12% | 1.04% | 0.93% | 1.48% | 1.66% | 1.43% | +39 bps | |
| Return on Equity | 8.46% | 11.44% | 11.42% | 10.53% | 9.72% | 17.36% | 18.41% | 15.59% | +507 bps | |
| Net Interest Margin | 3.38% | 3.55% | 3.64% | 3.56% | 3.53% | 3.54% | 3.68% | 3.69% | +13 bps | |
| Efficiency Ratio | 80.55% | 77.04% | 75.14% | 76.69% | 78.42% | 66.59% | 62.84% | 67.55% | -914 bps | |
| Non-Interest Burden | 2.58% | 2.59% | 2.58% | 2.56% | 2.62% | 2.04% | 1.91% | 2.18% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.97% | 5.98% | 1.94% | 0.77% | 3.10% | 4.54% | 4.56% | 5.10% | +434 bps | |
| Loan Growth (YoY) | 6.21% | 9.61% | 7.48% | 9.03% | 11.13% | 15.53% | 21.16% | 20.54% | +1,151 bps | |
| Deposit Growth (YoY) | 6.70% | 5.52% | 0.09% | -0.67% | 3.99% | 5.54% | 5.06% | 5.45% | +612 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.15% | 1.38% | 1.33% | +133 bps | |
| Net Charge-Offs / Loans | 0.20% | -0.01% | -0.06% | -0.19% | -0.09% | -0.03% | 0.05% | -0.04% | +14 bps | |
| Allowance / Loans | 1.59% | 1.53% | 1.56% | 1.69% | 1.62% | 1.51% | 1.41% | 1.47% | -22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.7x | 1.0x | 1.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.91% | 9.48% | 9.84% | 9.69% | 9.01% | 9.46% | 9.76% | 9.96% | +27 bps | |
| Total Risk-Based Capital | 15.59% | 16.03% | 16.54% | 16.39% | 15.24% | 14.94% | 15.19% | 15.66% | -73 bps | |
| Equity / Assets | 9.31% | 9.70% | 10.46% | 9.92% | 8.33% | 8.75% | 9.94% | 9.62% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.91% | 51.68% | 53.07% | 51.20% | 53.34% | 56.57% | 61.20% | 58.53% | +733 bps | |
| Liquid Assets / Assets | 2.50% | 4.35% | 4.77% | 6.89% | 3.45% | 2.76% | 3.29% | 6.76% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |