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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

3.41%Q4 ’083.16%Q4 ’092.35%Q4 ’10+66%-26%

Non-interest income vs. expense

2.96%Q4 ’083.33%Q4 ’092.79%Q4 ’10+31%-48%

Executive Summary

  • Earnings: ROA of 0.23%, up 83 bps year over year; NIM at 1.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 30.32% of deposits as of Q4 2010.

Financial Results

Return on Assets (quarter, annualized)

0.23%+83 bps YoY

Net Interest Margin (quarter, annualized)

1.49%-53 bps YoY

Efficiency Ratio (quarter, annualized)

87.62%-2,125 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-0.60%-0.05%0.55%1-0.48%0.23%+83 bps
Return on Equity-5.37%-0.48%4.73%-4.21%2.11%+748 bps
Net Interest Margin2.02%1.93%1.99%1.64%1.49%-53 bps
Efficiency Ratio108.88%75.28%80.48%95.17%87.62%-2,125 bps
Non-Interest Burden2.49%1.28%1.54%1.70%1.30%-120 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 / Loans0.85%0.87%0.65%0.57%0.12%-73 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