Buena Vista, CO · Cert 26916
FDIC · 5 branches
Q4 2017
Market Position · Denver-Aurora-Lakewood, CO · 2017 SOD (annual) · 0.3% share · #27 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 1.17% | 1.34% | 1.33% | 1.37% | +9 bps | |
| Return on Equity | 11.54% | 10.72% | 11.63% | 11.95% | 12.77% | +123 bps | |
| Net Interest Margin | 4.51% | 4.31% | 4.61% | 4.25% | 4.11% | -40 bps | |
| Efficiency Ratio | 52.04% | 55.90% | 51.92% | 52.54% | 50.11% | -193 bps | |
| Non-Interest Burden | 2.24% | 2.32% | 2.29% | 2.14% | 1.97% | -27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.19% | 13.64% | 13.82% | 25.00% | 7.76% | -344 bps | |
| Loan Growth (YoY) | 20.74% | 22.54% | 14.60% | 9.28% | 9.78% | -1,096 bps | |
| Deposit Growth (YoY) | 10.53% | 15.24% | 16.74% | 28.78% | 8.73% | -180 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.21% | 0.20% | 0.21% | 0.20% | +20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.20% | 1.24% | 1.27% | 1.22% | -3 bps | |
| Allowance Coverage of NPLs | n/a | 5.8x | 6.1x | 6.2x | 6.2x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.73% | 10.56% | 10.88% | 10.17% | 9.82% | -91 bps | |
| Total Risk-Based Capital | 14.94% | 14.75% | 15.12% | 15.63% | 15.32% | +39 bps | |
| Equity / Assets | 10.48% | 11.36% | 11.75% | 10.52% | 10.93% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.78% | 82.64% | 84.34% | 71.96% | 74.49% | +71 bps | |
| Liquid Assets / Assets | 31.41% | 24.69% | 22.67% | 34.15% | 30.41% | -100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |