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Citywide Banks

Aurora, CO · Cert 19858

FDIC · 12 branches

Q2 2017

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: Q2 2017, the quarter ended June 30, 2017, 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

Citywide Banks

Aurora, CO · Cert 19858

FDIC · 12 branches

Q2 2017

$1.4BAssets
$1.0BLoans
$1.2BDeposits
$146.1MEquity
Loan mix
72%RE $535.4M28%C&I $207.8M1%Consumer $4.7MQ2 2016Q2 2017
Deposit mix
56%Interest-bearing $667.3M44%Noninterest $530.5MQ2 2016Q2 2017

NIM

3.84%Q2 ’153.88%Q2 ’164.07%Q2 ’17+2%+5%

Non-interest income vs. expense

3.11%Q2 ’153.08%Q2 ’162.84%Q2 ’17+2%-7%

Market Position · Denver-Aurora-Lakewood, CO · 2017 SOD (annual) · 1.4% share · #14 of 71 inst. · $1.2B of $80.7B

1.4% Denver
2.8% Arapahoe
1.1% Jefferson
0.4% Boulder

Executive Summary

  • Earnings: ROA of 0.92%, up 9 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.07% of loans (+7 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.71%, up 69 bps from a year ago.
  • Funding: loans stand at 84.83% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.92%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+19 bps YoY

Efficiency Ratio (YTD, annualized)

67.26%-834 bps YoY

Tier 1 Leverage Ratio

10.71%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.84%0.83%0.84%0.98%0.92%+9 bps
Return on Equity8.42%8.37%8.42%9.47%8.87%+45 bps
Net Interest Margin3.72%3.75%3.74%3.91%3.91%+19 bps
Efficiency Ratio75.60%73.60%72.40%65.45%67.26%-834 bps
Non-Interest Burden2.73%2.68%2.62%2.41%2.53%-20 bps
Growth
Asset Growth (YoY)6.12%4.40%3.10%3.16%2.88%-324 bps
Loan Growth (YoY)17.36%18.84%12.35%7.19%2.13%-1,523 bps
Deposit Growth (YoY)0.44%3.54%2.33%2.27%7.06%+661 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.12%0.07%+7 bps
Net Charge-Offs / Loans0.02%-0.01%-0.01%0.00%0.00%-2 bps
Allowance / Loans1.46%1.43%1.46%1.48%1.43%-3 bps
Allowance Coverage of NPLsn/an/an/a11.9x19.3xn/a
Capital
Tier 1 Leverage Ratio10.02%10.15%10.20%10.53%10.71%+69 bps
Total Risk-Based Capital12.92%12.75%12.91%13.61%13.90%+98 bps
Equity / Assets10.10%10.10%10.12%10.58%10.57%+48 bps
Liquidity & Funding
Loans / Deposits88.92%85.55%84.00%85.00%84.83%-410 bps
Liquid Assets / Assets1.47%1.90%3.54%2.45%4.05%+259 bps
CRE / Total Capitaln/an/an/an/an/an/an/a