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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.60% | 1.48% | 1.82% | 1.00% | +12 bps | |
| Return on Equity | 8.68% | 6.57% | 17.36% | 19.48% | 10.23% | +155 bps | |
| Net Interest Margin | 3.54% | 3.77% | 3.54% | 3.83% | 3.81% | +27 bps | |
| Efficiency Ratio | 79.60% | 83.35% | 66.59% | 59.52% | 77.26% | -235 bps | |
| Non-Interest Burden | 2.63% | 3.05% | 2.04% | 1.79% | 2.77% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.77% | 3.10% | 4.54% | 4.56% | 5.10% | +434 bps | |
| Loan Growth (YoY) | 9.03% | 11.13% | 15.53% | 21.16% | 20.54% | +1,151 bps | |
| Deposit Growth (YoY) | -0.67% | 3.99% | 5.54% | 5.06% | 5.45% | +612 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 2.15% | 1.38% | 1.33% | +133 bps | |
| Net Charge-Offs / Loans | -0.44% | 0.16% | -0.03% | 0.12% | -0.22% | +22 bps | |
| Allowance / Loans | 1.69% | 1.62% | 1.51% | 1.41% | 1.47% | -22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.7x | 1.0x | 1.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.69% | 9.01% | 9.46% | 9.76% | 9.96% | +27 bps | |
| Total Risk-Based Capital | 16.39% | 15.24% | 14.94% | 15.19% | 15.66% | -73 bps | |
| Equity / Assets | 9.92% | 8.33% | 8.75% | 9.94% | 9.62% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.20% | 53.34% | 56.57% | 61.20% | 58.53% | +733 bps | |
| Liquid Assets / Assets | 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 |