Centennial, CO · Cert 26853
FDIC · 14 branches
Q4 2015
Market Position · Denver-Aurora-Lakewood, CO · 2015 SOD (annual) · 0.5% share · #21 of 71 inst. · $0.4B of $69.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.18% | -0.03% | -0.31% | 0.54% | 0.59% | -0.01% | 0.05%1 | +36 bps | |
| Return on Equity | 2.73% | 1.73% | -0.30% | -3.01% | 5.23% | 5.69% | -0.09% | 0.52% | +353 bps | |
| Net Interest Margin | 3.69% | 3.73% | 3.74% | 3.50% | 3.62% | 3.60% | 3.69% | 3.69% | +19 bps | |
| Efficiency Ratio | 84.66% | 85.13% | 81.21% | 85.82% | 72.16% | 69.78% | 61.01% | 66.37% | -1,945 bps | |
| Non-Interest Burden | 3.13% | 3.21% | 3.08% | 3.05% | 2.63% | 2.50% | 2.19% | 2.41% | -64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.88% | 13.33% | 14.85% | 54.90% | 55.84% | 49.93% | 44.20% | 5.23% | -4,967 bps | |
| Loan Growth (YoY) | 22.72% | 21.26% | 23.51% | 53.33% | 54.44% | 42.01% | 33.99% | 5.53% | -4,780 bps | |
| Deposit Growth (YoY) | 14.67% | 15.09% | 15.51% | 60.82% | 57.57% | 52.30% | 43.62% | 4.31% | -5,651 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.13% | 0.15% | 0.36% | 0.40% | 0.74% | 0.33% | -0.08% | -45 bps | |
| Allowance / Loans | 1.11% | 1.09% | 1.19% | 1.09% | 1.03% | 0.90% | 1.30% | 1.76% | +67 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 9.28% | 9.31% | 9.37% | 9.27% | n/a | |
| Total Risk-Based Capital | 12.22% | 12.22% | 12.08% | 12.35% | 12.78% | 12.93% | 12.84% | 12.57% | +22 bps | |
| Equity / Assets | 10.16% | 10.31% | 10.00% | 10.30% | 10.18% | 10.41% | 10.36% | 10.02% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.99% | 92.74% | 92.32% | 87.59% | 86.24% | 86.47% | 86.13% | 88.62% | +103 bps | |
| Liquid Assets / Assets | 3.41% | 1.40% | 2.73% | 6.31% | 6.21% | 3.26% | 3.63% | 2.57% | -374 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |