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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 0.23% | 0.14% | 0.01%1 | 0.54% | 0.56% | 0.37% | 0.29% | +28 bps | |
| Return on Equity | 2.73% | 2.22% | 1.36% | 0.06% | 5.23% | 5.47% | 3.60% | 2.83% | +277 bps | |
| Net Interest Margin | 3.69% | 3.68% | 3.58% | 2.87% | 3.62% | 3.58% | 3.63% | 3.60% | +73 bps | |
| Efficiency Ratio | 84.66% | 84.89% | 83.66% | 84.36% | 72.16% | 70.95% | 67.54% | 67.24% | -1,711 bps | |
| Non-Interest Burden | 3.13% | 3.15% | 3.02% | 2.45% | 2.63% | 2.54% | 2.43% | 2.40% | -5 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% | 0.13% | 0.16% | 0.40% | 0.57% | 0.49% | 0.33% | +17 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 |