Denver, CO · Charter 65665
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.71% | -0.67% | -0.65% | -0.73% | -0.69% | -0.18% | -0.56% | -0.53% | +20 bps | |
| Return on Equity | -4.40% | -4.39% | -4.37% | -5.08% | -4.67% | -1.23% | -3.94% | -4.04% | +104 bps | |
| Net Interest Margin | 2.24% | 1.91% | 1.86% | 1.81% | 1.90% | 1.73% | 1.73% | 1.60% | -22 bps | |
| Efficiency Ratio | 122.33% | 133.72% | 130.06% | 132.68% | 129.26% | 121.85% | 132.21% | 130.27% | -241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.66% | 3.48% | 4.50% | 10.38% | 4.67% | 3.00% | -0.59% | 4.64% | -575 bps | |
| Loan Growth (YoY) | -6.99% | -9.20% | -6.68% | -8.94% | -4.79% | -3.95% | -6.79% | -6.34% | +260 bps | |
| Share Growth (YoY) | 12.88% | 5.21% | 6.26% | 13.45% | 6.43% | 4.21% | 0.07% | 6.06% | -739 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.05% | 0.81% | 0.63% | 0.53% | 0.29% | 0.14% | 0.00% | -63 bps | |
| 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 | 1.11% | 1.13% | 1.07% | 0.98% | 0.99% | 1.09% | 1.21% | 1.30% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.17% | 15.33% | 14.83% | 14.30% | 14.76% | 14.33% | 14.28% | 13.16% | -114 bps | |
| Net Worth / Assets | 16.17% | 15.33% | 14.83% | 14.30% | 14.76% | 14.33% | 14.28% | 13.16% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.69% | 37.90% | 36.38% | 35.37% | 37.29% | 34.93% | 33.89% | 31.23% | -414 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |