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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 1.59% | 1.57% | 1.51% | 1.60% | 1.66% | 1.58% | 1.80% | +29 bps | |
| Return on Equity | 8.57% | 15.23% | 14.49% | 13.95% | 15.73% | 16.43% | 14.93% | 16.41% | +246 bps | |
| Net Interest Margin | 3.25% | 3.18% | 3.19% | 3.12% | 2.88% | 3.02% | 3.16% | 3.17% | +5 bps | |
| Efficiency Ratio | 75.22% | 55.65% | 56.15% | 56.53% | 75.72% | 51.57% | 53.98% | 49.35% | -718 bps | |
| Non-Interest Burden | 2.35% | 1.57% | 1.61% | 1.60% | 2.09% | 1.35% | 1.57% | 1.38% | -22 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 | -0.02% | -0.02% | -0.02% | -0.52% | -0.08% | -0.05% | -0.01% | -0.01% | +51 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 |