PackageTrendsPeer
Letter portraitLegal landscape

Colorado State Bank and Trust

Denver, CO · Cert 1769

FDIC

Q4 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2010, the quarter ended December 31, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Colorado State Bank and Trust

Denver, CO · Cert 1769

FDIC

Q4 2010

$1.4BAssets
$364.8MLoans
$1.2BDeposits
$151.4MEquity
Loan mix
64%RE $150.9M35%C&I $83.4M0%Consumer $1.0MQ4 2009Q4 2010
Deposit mix
98%Interest-bearing $1.2B2%Noninterest $0.0BQ4 2009Q4 2010

NIM

4.06%Q4 ’083.33%Q4 ’092.62%Q4 ’10+17%-2%

Non-interest income vs. expense

3.06%Q4 ’083.16%Q4 ’092.64%Q4 ’100%-29%

Executive Summary

  • Earnings: ROA of 0.06%, up 35 bps year over year; NIM at 1.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Funding: loans stand at 30.32% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

0.06%+35 bps YoY

Net Interest Margin (YTD, annualized)

1.70%-4 bps YoY

Efficiency Ratio (YTD, annualized)

83.91%-1,688 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-0.29%-0.05%0.24%10.00%0.06%+35 bps
Return on Equity-2.72%-0.48%2.15%0.00%0.53%+326 bps
Net Interest Margin1.73%1.93%1.97%1.86%1.70%-4 bps
Efficiency Ratio100.79%75.28%77.81%82.65%83.91%-1,688 bps
Non-Interest Burden1.98%1.28%1.42%1.51%1.40%-58 bps
Growth
Asset Growth (YoY)-1.88%-5.81%-4.21%2.95%4.95%+683 bps
Loan Growth (YoY)3.74%-8.69%-1.39%-9.88%0.62%-313 bps
Deposit Growth (YoY)-0.29%-5.13%-4.82%3.21%5.19%+548 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.30%0.87%0.75%0.70%0.54%-75 bps
Allowance / Loans2.02%2.44%2.29%2.69%2.38%+36 bps
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 Capital12.16%13.27%13.88%13.37%13.76%+160 bps
Equity / Assets11.03%11.28%11.80%11.10%10.99%-4 bps
Liquidity & Funding
Loans / Deposits31.70%31.45%32.84%30.06%30.32%-138 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a