PackageTrendsPeer
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Community Banks of Colorado

Greenwood Village, CO · Cert 21132

FDIC

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

Community Banks of Colorado

Greenwood Village, CO · Cert 21132

FDIC

Q3 2011

$1.3BAssets
$978.3MLoans
$1.2BDeposits
$22.2MEquity
Loan mix
71%RE $581.9M23%C&I $189.6M6%Consumer $46.5MQ3 2010Q3 2011
Deposit mix
82%Interest-bearing $1.0B18%Noninterest $0.2BQ3 2010Q3 2011

NIM

4.36%Q3 ’094.11%Q3 ’103.84%Q3 ’11+24%+10%

Non-interest income vs. expense

2.73%Q3 ’092.49%Q3 ’103.31%Q3 ’11+15%+64%

Executive Summary

  • Earnings: ROA of -3.10%, down 23 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.70%.
  • Funding: loans stand at 78.92% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-3.10%-23 bps YoY

Net Interest Margin (YTD, annualized)

2.53%+22 bps YoY

Efficiency Ratio (YTD, annualized)

165.78%+6,431 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-2.87%-3.80%-4.30%-4.15%-3.10%-23 bps
Return on Equity-49.96%-71.56%-140.47%-157.63%-127.31%-7,735 bps
Net Interest Margin2.31%2.33%2.37%2.44%2.53%+22 bps
Efficiency Ratio101.47%109.92%164.07%191.13%165.78%+6,431 bps
Non-Interest Burden2.35%2.56%3.65%3.93%3.84%+150 bps
Growth
Asset Growth (YoY)-9.01%-9.60%-19.13%-18.10%-22.57%-1,356 bps
Loan Growth (YoY)-7.42%-8.11%-16.06%-19.01%-22.84%-1,542 bps
Deposit Growth (YoY)-7.24%-6.15%-15.20%-15.47%-19.61%-1,237 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.10%3.42%7.19%5.76%4.70%+260 bps
Allowance / Loans4.89%5.45%4.70%4.90%4.73%-15 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 Capital7.55%5.28%4.58%3.45%3.41%-414 bps
Equity / Assets4.99%3.47%2.61%1.71%1.73%-326 bps
Liquidity & Funding
Loans / Deposits82.23%80.41%79.76%78.02%78.92%-330 bps
Liquid Assets / Assets12.21%14.17%12.31%13.69%13.45%+124 bps
CRE / Total Capitaln/an/an/an/an/an/an/a