Denver, CO · Cert 34112
FDIC · 2 branches
Q2 2015
Market Position · Denver-Aurora-Lakewood, CO · 2015 SOD (annual) · 0.0% share · #56 of 71 inst. · $0.0B 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.37% | -0.66% | -2.11% | -2.02% | -2.35% | -2.07% | -3.93% | -3.92% | -189 bps | |
| Return on Equity | -37.16% | -20.18% | -70.07% | -73.31% | -102.59% | -106.50% | -233% | -406% | -33,309 bps | |
| Net Interest Margin | 3.35% | 3.13% | 3.29% | 3.02% | 2.37% | 2.43% | 2.94% | 2.85% | -17 bps | |
| Efficiency Ratio | 111.05% | 111.78% | 147.71% | 148.28% | 171.93% | 151.13% | 193.95% | 199.29% | +5,101 bps | |
| Non-Interest Burden | 3.90% | 3.71% | 5.34% | 5.01% | 4.73% | 4.43% | 6.42% | 6.84% | +183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.01% | -8.15% | -11.21% | -9.06% | 1.75% | -12.22% | -27.93% | -37.35% | -2,829 bps | |
| Loan Growth (YoY) | -22.25% | -20.69% | -18.19% | -15.01% | -19.11% | -27.99% | -30.66% | -35.20% | -2,019 bps | |
| Deposit Growth (YoY) | -8.40% | -8.76% | -12.27% | -10.20% | 8.35% | -8.91% | -28.82% | -36.98% | -2,679 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 | 0.00% | 0.00% | 0.14% | 1.71% | 0.00% | 0.05% | 0.00% | 0.00% | -171 bps | |
| Allowance / Loans | 3.64% | 3.64% | 3.71% | 3.66% | 3.98% | 4.47% | 4.78% | 5.64% | +197 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 | n/a | n/a | 1.64% | 0.97% | n/a | |
| Total Risk-Based Capital | 8.47% | 8.55% | 7.77% | 7.49% | 6.74% | 6.21% | 4.74% | 3.33% | -416 bps | |
| Equity / Assets | 3.42% | 3.17% | 2.85% | 2.66% | 1.93% | 1.96% | 1.37% | 0.49% | -218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.39% | 56.83% | 53.26% | 49.63% | 42.10% | 44.93% | 51.88% | 51.03% | +140 bps | |
| Liquid Assets / Assets | 18.22% | 18.69% | 23.06% | 26.52% | 35.86% | 24.79% | 30.36% | 28.68% | +215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |