PackageTrendsPeer
Letter portraitLegal landscape

Colorado Business Bank, National Association

Denver, CO · Cert 22683

FDIC · 15 branches

Q4 2018

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: Q4 2018, the quarter ended December 31, 2018, 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

Colorado Business Bank, National Association

Denver, CO · Cert 22683

FDIC · 15 branches

Q4 2018

$4.4BAssets
$2.9BLoans
$3.3BDeposits
$989.6MEquity
Loan mix
63%RE $1.1B36%C&I $0.7B1%Consumer $0.0BQ4 2017Q4 2018
Deposit mix
55%Interest-bearing $1.8B45%Noninterest $1.5BQ4 2017Q4 2018

NIM

3.64%Q4 ’163.74%Q4 ’171.04%Q4 ’18+2%-69%

Non-interest income vs. expense

2.40%Q4 ’162.31%Q4 ’170.56%Q4 ’18-3%-74%

Market Position · Denver-Aurora-Lakewood, CO · 2018 SOD (annual) · 2.3% share · #7 of 69 inst. · $1.9B of $83.9B

3.4% Denver
0.8% Maricopa
3.2% Boulder
1.4% Arapahoe

Executive Summary

  • Earnings: ROA of 0.40%, down 65 bps year over year; NIM at 1.13%.
  • Asset quality: problem loans at 0.47% of loans (+22 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.25%, down 222 bps from a year ago.
  • Funding: loans stand at 87.90% of deposits as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

0.40%-65 bps YoY

Net Interest Margin (YTD, annualized)

1.13%-247 bps YoY

Efficiency Ratio (YTD, annualized)

46.53%-1,139 bps YoY

Tier 1 Leverage Ratio

8.25%-222 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets1.04%1.42%1.47%1.22%0.40%-65 bps
Return on Equity9.90%14.20%14.90%12.44%3.15%-675 bps
Net Interest Margin3.60%3.78%3.78%3.81%1.13%-247 bps
Efficiency Ratio57.92%59.42%59.02%66.94%46.53%-1,139 bps
Non-Interest Burden1.92%2.08%2.07%2.42%0.49%-143 bps
Growth
Asset Growth (YoY)6.09%2.39%2.14%0.42%16.29%+1,020 bps
Loan Growth (YoY)7.26%3.31%0.20%-1.76%-7.19%-1,446 bps
Deposit Growth (YoY)6.44%4.30%2.22%3.24%2.16%-428 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.59%0.55%0.54%0.47%+22 bps
Net Charge-Offs / Loans-0.04%0.11%0.06%0.03%0.00%+4 bps
Allowance / Loans1.20%1.19%1.16%1.15%0.00%-120 bps
Allowance Coverage of NPLs4.8x2.0x2.1x2.1x0.0x-4.8x
Capital
Tier 1 Leverage Ratio10.47%9.15%9.56%9.79%8.25%-222 bps
Total Risk-Based Capital13.23%13.70%14.00%14.18%12.83%-40 bps
Equity / Assets10.66%9.34%9.54%9.79%22.32%+1,166 bps
Liquidity & Funding
Loans / Deposits96.76%96.18%96.92%92.69%87.90%-886 bps
Liquid Assets / Assets9.52%10.56%10.55%10.10%0.80%-872 bps
CRE / Total Capitaln/an/an/an/an/an/an/a