Castle Rock, CO · Cert 90582
FDIC · 2 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Castle Rock, CO · Cert 90582
FDIC · 2 branches
Q3 2017
Market Position · Denver-Aurora-Lakewood, CO · 2017 SOD (annual) · 0.2% share · #37 of 71 inst. · $0.1B 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.90% | 1.59% | 1.58% | 1.55% | 1.57% | 1.66% | 1.62% | 1.68% | +13 bps | |
| Return on Equity | 18.06% | 15.23% | 14.84% | 14.57% | 15.02% | 16.43% | 15.68% | 15.97% | +140 bps | |
| Net Interest Margin | 3.10% | 3.18% | 3.17% | 3.07% | 2.98% | 3.02% | 3.08% | 3.08% | 0 bps | |
| Efficiency Ratio | 63.56% | 55.65% | 55.90% | 56.11% | 60.82% | 51.57% | 52.78% | 51.61% | -450 bps | |
| Non-Interest Burden | 1.79% | 1.57% | 1.58% | 1.55% | 1.66% | 1.35% | 1.45% | 1.41% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.81% | 4.32% | 8.98% | 8.59% | 5.13% | 4.87% | 3.89% | -1.92% | -1,051 bps | |
| Loan Growth (YoY) | 9.13% | 11.58% | 9.79% | 2.63% | 3.40% | 7.54% | 5.39% | 6.85% | +423 bps | |
| Deposit Growth (YoY) | 8.96% | 4.68% | 8.48% | 8.50% | 5.76% | 5.22% | 4.17% | -2.55% | -1,104 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.04% | 1.94% | 1.92% | +192 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | -0.02% | -0.19% | -0.16% | -0.05% | -0.03% | -0.02% | +17 bps | |
| Allowance / Loans | 2.39% | 2.36% | 2.27% | 2.45% | 2.05% | 1.96% | 1.91% | 1.94% | -52 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.0x | 1.0x | 1.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.10% | 10.36% | 10.47% | 10.33% | 9.99% | 10.65% | 10.69% | 10.85% | +53 bps | |
| Total Risk-Based Capital | 17.91% | 18.36% | 18.24% | 19.18% | 19.02% | 19.79% | 19.70% | 20.34% | +116 bps | |
| Equity / Assets | 10.19% | 10.72% | 10.93% | 10.66% | 9.70% | 10.47% | 10.72% | 11.22% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.43% | 57.11% | 57.82% | 54.11% | 54.20% | 58.37% | 58.49% | 59.33% | +522 bps | |
| Liquid Assets / Assets | 13.84% | 12.07% | 13.28% | 18.32% | 15.75% | 12.62% | 13.53% | 13.43% | -489 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |