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UMB Bank Colorado, National Association

Denver, CO · Cert 19298

FDIC

Q3 2012

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: Q3 2012, the quarter ended September 30, 2012, 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

UMB Bank Colorado, National Association

Denver, CO · Cert 19298

FDIC

Q3 2012

$1.6BAssets
$732.2MLoans
$1.1BDeposits
$177.4MEquity
Loan mix
51%RE $330.9M48%C&I $312.2M1%Consumer $4.7MQ3 2011Q3 2012
Deposit mix
89%Interest-bearing $980.9M11%Noninterest $120.1MQ3 2011Q3 2012

NIM

3.21%Q3 ’102.88%Q3 ’112.62%Q3 ’12-6%-8%

Non-interest income vs. expense

2.55%Q3 ’102.10%Q3 ’112.07%Q3 ’12-14%+2%

Executive Summary

  • Earnings: ROA of 0.77%, down 17 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 66.50% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.77%-17 bps YoY

Net Interest Margin (YTD, annualized)

2.46%-20 bps YoY

Efficiency Ratio (YTD, annualized)

63.97%+464 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.94%0.92%0.87%0.80%0.77%-17 bps
Return on Equity9.15%8.90%8.29%7.60%7.25%-191 bps
Net Interest Margin2.66%2.57%2.49%2.44%2.46%-20 bps
Efficiency Ratio59.33%59.18%61.98%64.05%63.97%+464 bps
Non-Interest Burden1.41%1.34%1.38%1.43%1.43%+3 bps
Growth
Asset Growth (YoY)32.15%14.11%10.63%11.11%7.48%-2,467 bps
Loan Growth (YoY)9.27%13.17%23.38%25.58%23.37%+1,410 bps
Deposit Growth (YoY)33.69%22.72%16.30%9.29%-9.87%-4,357 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.13%0.08%0.03%0.03%0.03%-11 bps
Allowance / Loans1.07%1.01%0.91%0.86%0.85%-21 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 Capital13.42%12.46%12.06%11.90%12.34%-108 bps
Equity / Assets10.73%10.53%10.45%10.60%10.95%+23 bps
Liquidity & Funding
Loans / Deposits48.58%52.52%62.04%67.36%66.50%+1,792 bps
Liquid Assets / Assets1.09%0.95%0.86%0.77%0.76%-33 bps
CRE / Total Capitaln/an/an/an/an/an/an/a