Denver, CO · Cert 57575
FDIC · 3 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Denver, CO · Cert 57575
FDIC · 3 branches
Q4 2014
Market Position · Denver-Aurora-Lakewood, CO · 2014 SOD (annual) · 0.8% share · #19 of 71 inst. · $0.5B of $65.5B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.84% | 1.91% | 1.95% | 1.83% | 1.70% | 1.82% | 1.91% | 1.96% | +13 bps | |
| Return on Equity | 18.30% | 18.89% | 19.15% | 18.23% | 17.10% | 18.13% | 18.87% | 19.36% | +114 bps | |
| Net Interest Margin | 3.84% | 3.96% | 3.87% | 3.81% | 3.81% | 3.78% | 3.77% | 3.83% | +2 bps | |
| Efficiency Ratio | 54.84% | 55.31% | 56.12% | 58.51% | 54.34% | 53.26% | 52.25% | 52.31% | -619 bps | |
| Non-Interest Burden | 1.87% | 1.92% | 1.90% | 1.97% | 1.78% | 1.70% | 1.65% | 1.70% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.89% | 14.13% | 13.61% | 13.93% | 10.11% | 16.92% | 15.87% | 5.25% | -868 bps | |
| Loan Growth (YoY) | 20.75% | 14.62% | 13.87% | 15.64% | 12.61% | 17.80% | 21.93% | 20.77% | +513 bps | |
| Deposit Growth (YoY) | 22.28% | 14.12% | 13.81% | 14.13% | 9.76% | 16.76% | 15.81% | 4.73% | -940 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 | -0.02% | -0.01% | -0.01% | 0.00% | 0.01% | 0.00% | 0.07% | 0.04% | +5 bps | |
| Allowance / Loans | 1.16% | 1.19% | 1.17% | 1.13% | 1.17% | 1.19% | 1.18% | 1.17% | +4 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.39% | 14.45% | 14.19% | 13.99% | 13.81% | 13.88% | 13.81% | 13.32% | -67 bps | |
| Equity / Assets | 10.13% | 10.23% | 10.31% | 9.64% | 10.28% | 10.25% | 10.37% | 10.19% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.93% | 81.89% | 80.81% | 75.73% | 83.03% | 82.62% | 85.08% | 87.32% | +1,160 bps | |
| Liquid Assets / Assets | 7.52% | 8.06% | 5.21% | 11.27% | 4.47% | 6.19% | 5.15% | 3.87% | -740 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |