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Letter portraitLegal landscapeQuarterYTD

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

3.24%Q3 ’102.87%Q3 ’112.59%Q3 ’12-10%-7%

Non-interest income vs. expense

2.57%Q3 ’102.10%Q3 ’112.07%Q3 ’12-15%+2%

Executive Summary

  • Earnings: ROA of 0.71%, down 22 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 66.50% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

0.71%-22 bps YoY

Net Interest Margin (quarter, annualized)

2.45%-18 bps YoY

Efficiency Ratio (quarter, annualized)

63.79%+420 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.92%0.86%0.87%0.73%0.71%-22 bps
Return on Equity8.73%8.11%8.29%6.94%6.58%-215 bps
Net Interest Margin2.62%2.54%2.49%2.46%2.45%-18 bps
Efficiency Ratio59.59%58.76%61.98%66.15%63.79%+420 bps
Non-Interest Burden1.38%1.27%1.38%1.52%1.41%+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 / Loans0.00%-0.05%0.03%0.03%0.02%+2 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