Englewood, CO · Cert 33639
FDIC · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Englewood, CO · Cert 33639
FDIC · 1 branch
Q1 2018
Market Position · Denver-Aurora-Lakewood, CO · 2017 SOD (annual) · 0.9% share · #17 of 71 inst. · $0.7B of $80.7B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.33% | 1.45% | 1.62% | 1.88% | 2.08% | 2.14% | 2.73% | +111 bps | |
| Return on Equity | 20.17% | 20.61% | 23.60% | 32.23% | 36.46% | 40.13% | 42.11% | 59.33% | +2,710 bps | |
| Net Interest Margin | 1.38% | 1.29% | 1.27% | 1.39% | 1.45% | 1.48% | 1.46% | 1.71% | +33 bps | |
| Efficiency Ratio | 78.40% | 77.94% | 76.09% | 75.40% | 72.35% | 69.49% | 68.64% | 62.35% | -1,305 bps | |
| Non-Interest Burden | -0.01% | -0.04% | -0.15% | -0.25% | -0.41% | -0.56% | -0.60% | -1.10% | -85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.78% | -13.26% | 9.64% | 7.17% | 11.45% | 17.67% | 18.18% | 16.03% | +887 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | -5.66% | -14.43% | 10.83% | 8.95% | 13.16% | 19.21% | 18.29% | 16.92% | +797 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 6.27% | 5.94% | 5.96% | 5.94% | 6.01% | 6.07% | 5.97% | 6.14% | +20 bps | |
| Total Risk-Based Capital | 27.42% | 22.76% | 21.38% | 39.80% | 23.69% | 22.43% | 21.53% | 22.46% | -1,734 bps | |
| Equity / Assets | 6.81% | 6.49% | 4.95% | 5.11% | 5.41% | 5.24% | 4.76% | 4.43% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.68% | 0.67% | 0.61% | 0.57% | 0.44% | 0.40% | 0.24% | 0.23% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |