PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Cherry Creek, National Association, The

Denver, CO · Cert 33075

FDIC

Q4 2001

$346.3MAssets
$247.9MLoans
$298.0MDeposits
$25.4MEquity
Loan mix
54%RE $47.9M45%C&I $39.9M1%Consumer $0.7MQ4 2000Q4 2001
Deposit mix
74%Interest-bearing $222.0M26%Noninterest $76.0MQ4 2000Q4 2001

NIM

8.01%Q1 ’016.96%Q3 ’016.06%Q4 ’01-12%-8%

Non-interest income vs. expense

4.96%Q1 ’014.61%Q3 ’014.76%Q4 ’01-16%+6%

Executive Summary

  • Earnings: ROA of 1.00%, down 37 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.69%.
  • Funding: loans stand at 83.20% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

1.00%-37 bps YoY

Net Interest Margin (quarter, annualized)

4.16%

Efficiency Ratio (quarter, annualized)

74.80%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.36%1.19%1.28%1.18%1.00%-37 bps
Return on Equityn/an/a15.92%14.30%12.80%n/a
Net Interest Marginn/a5.12%4.93%4.51%4.16%n/a
Efficiency Ration/a68.76%69.61%68.78%74.80%n/a
Non-Interest Burdenn/a2.87%2.63%2.42%2.55%n/a
Growth
Asset Growth (YoY)14.39%17.38%23.06%28.98%26.08%+1,169 bps
Loan Growth (YoY)25.15%23.36%27.67%29.42%31.39%+624 bps
Deposit Growth (YoY)14.38%17.22%28.49%32.24%28.51%+1,413 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.24%0.09%0.14%0.69%n/a
Allowance / Loansn/a1.81%1.91%1.92%1.65%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a10.18%10.96%11.16%10.17%n/a
Equity / Assetsn/a7.68%8.32%8.25%7.32%n/a
Liquidity & Funding
Loans / Deposits81.38%80.40%84.15%81.88%83.20%+183 bps
Liquid Assets / Assets0.00%0.05%0.06%0.06%0.07%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a