PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Cherry Creek in Boulder, National Association, The

Boulder, CO · Cert 34418

FDIC

Q1 2001

$35.5MAssets
$25.0MLoans
$29.9MDeposits
$3.2MEquity
Loan mix
56%RE $6.6M44%C&I $5.2M1%Consumer $0.1MQ1 2000Q1 2001
Deposit mix
85%Interest-bearing $25.5M15%Noninterest $4.5MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.32%, up 21 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.94%.
  • Funding: loans stand at 83.50% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

0.32%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.19%

Efficiency Ratio (YTD, annualized)

84.69%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.11%0.22%0.32%0.37%0.32%+21 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.19%n/an/a
Efficiency Ration/an/an/an/a84.69%n/an/a
Non-Interest Burdenn/an/an/an/a3.46%n/an/a
Growth
Asset Growth (YoY)30.91%21.18%15.85%6.54%3.67%-2,724 bps
Loan Growth (YoY)27.15%20.06%17.42%9.20%2.12%-2,503 bps
Deposit Growth (YoY)42.71%22.65%27.86%20.98%3.42%-3,929 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.94%n/an/a
Allowance / Loansn/an/an/an/a2.11%n/an/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/an/an/an/a12.04%n/an/a
Equity / Assetsn/an/an/an/a9.02%n/an/a
Liquidity & Funding
Loans / Deposits84.56%86.47%89.76%85.90%83.50%-106 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.08%+8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a