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Bank at Broadmoor, The

Colorado Springs, CO · Cert 23058

FDIC · 19 branches

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Bank at Broadmoor, The

Colorado Springs, CO · Cert 23058

FDIC · 19 branches

Q3 2016

$604.9MAssets
$412.3MLoans
$502.8MDeposits
$96.9MEquity
Loan mix
78%RE $227.4M22%C&I $62.7M0%Consumer $1.0MQ3 2015Q3 2016
Deposit mix
71%Interest-bearing $357.9M29%Noninterest $144.8MQ3 2015Q3 2016

NIM

3.92%Q3 ’144.03%Q3 ’154.17%Q3 ’16+10%+1%

Non-interest income vs. expense

3.47%Q3 ’143.02%Q3 ’152.98%Q3 ’16-18%+3%

Market Position · Colorado Springs, CO · 2016 SOD (annual) · 2.3% share · #10 of 40 inst. · $0.2B of $7.7B

2.4% El Paso
2.9% Weld
1.6% Douglas
11.9% Yuma

Executive Summary

  • Earnings: ROA of 0.97%, up 3 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.85%, down 274 bps from a year ago.
  • Funding: loans stand at 82.01% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.97%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+6 bps YoY

Efficiency Ratio (YTD, annualized)

65.68%-15 bps YoY

Tier 1 Leverage Ratio

10.85%-274 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.95%0.99%0.96%0.98%0.97%+3 bps
Return on Equity5.19%5.67%6.32%6.32%6.22%+103 bps
Net Interest Margin4.06%3.99%4.05%4.18%4.12%+6 bps
Efficiency Ratio65.83%65.81%64.29%64.30%65.68%-15 bps
Non-Interest Burden2.37%2.35%2.30%2.39%2.44%+7 bps
Growth
Asset Growth (YoY)-2.46%0.79%3.02%2.37%0.15%+261 bps
Loan Growth (YoY)11.60%13.26%9.43%16.17%3.38%-822 bps
Deposit Growth (YoY)-4.21%3.76%6.53%5.73%3.48%+769 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.04%-0.03%-0.02%-2 bps
Allowance / Loans1.22%1.23%1.33%1.30%1.36%+15 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.59%10.30%10.55%11.04%10.85%-274 bps
Total Risk-Based Capital16.86%12.96%13.53%13.66%13.74%-312 bps
Equity / Assets18.61%15.00%15.52%16.01%16.02%-258 bps
Liquidity & Funding
Loans / Deposits82.10%78.72%76.97%83.20%82.01%-9 bps
Liquid Assets / Assets6.21%8.61%10.83%5.83%7.01%+80 bps
CRE / Total Capitaln/an/an/an/an/an/an/a