FDIC Certificate #: 18836 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Citywide Banks (#19858) Federal Reserve ID: 697754 Date Established: July 22, 1963 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) OTS Docket #: 10673 FDIC's unique #: 12692 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: July 22, 1963 Last Structure Change Effective Date: April 01, 1999 Last Structure Change Process Date: May 12, 1999 Last Data Update: May 12, 1999 Data Source Date: April 05, 2012
Location
Address: 10660 East Colfax Avenue, Aurora, CO 80010 County: Arapahoe Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Denver Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Denver, CO (#2080) Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34) Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216) Core Based Statistical Area (CBSA): Denver-Aurora-Broomfield, CO (#19740) CBSA Metro Statistical Area: Denver-Aurora-Broomfield, CO (#19740)
Financial Summary
Total assets: $181.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
57Total employees (full-time equivalent)
$192,954Total assets
$15,684Cash and due from depository institutions
$176Interest-bearing balances
$36,647Securities
$6,300Federal funds sold & reverse repurchase agreements
$124,562Net loans & leases
$1,770Loan loss allowance
$0Trading account assets
$1,134Bank premises and fixed assets
$438Other real estate owned
$1,853Goodwill and other intangibles
$0Life insurance assets
$6,336All other assets
$192,954Total liabilities and capital
$178,442Total liabilities
$176,502Total deposits
$126,937Interest-bearing deposits
$176,502Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,940All other liabilities
$14,512Total equity capital
$14,512Total bank equity capital
$14,512Perpetual preferred stock
$0Common stock
$250Surplus
$500Undivided profits
Memoranda
$13,762Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$7,115Earning assets
$652Long-term assets (5+ years)
$1,321Average Assets, year-to-date
$167,685Average Assets, quarterly
$37,367Volatile liabilities
$185,031Insider loans
$189,696FHLB advances
$15,154Loans and leases held for sale
$2,623Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$44,632Total unused commitments
$0Restructured Loans and leases
$144,529Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$14,745Total interest income
$4,858Total interest expense
$9,887Net interest income
$825Provision for loan and lease losses
$2,595Total noninterest income
$0Fiduciary activities
$1,409Service charges on deposit accounts
$0Trading account gains & fees
$1,186Additional noninterest income
$6,822Total noninterest expense
$2,410Salaries and employee benefits
$682Premises and equipment expense
$3,730Additional noninterest expense
$4,835Pre-tax net operating income
-$2Securities gains (losses)
$1,624Applicable income taxes
$3,209Income before extraordinary items
$0Extraordinary gains - net
$3,209Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$703Sale, conversion, retirement of capital stock, net
$2,800Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
9.07%Yield on earning assets
2.99%Cost of funding earning assets
6.08%Net interest margin
1.60%Noninterest income to earning assets
4.19%Noninterest expense to earning assets
1.74%Net operating income to assets
1.73%Return on assets (ROA)
2.61%Pretax return on assets
23.24%Return on equity (ROE)
2.96%Retained earnings to average equity (YTD only)
0.56%Net charge-offs to loans
117.35%Credit loss provision to net charge-offs
8.05%Efficiency ratio
51,033Assets per employee
3.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
87.25%Loss allowance to loans
1.40%Loss allowance to noncurrent loans
24.88%Noncurrent assets plus other real estate owned to assets
3.91%Noncurrent loans to loans
5.63%Net loans and leases to deposits
70.57%Net loans and leases to core deposits
77.20%Equity capital to assets
7.52%Core capital (leverage) ratio
7.71%Tier 1 risk-based capital ratio
9.88%Total risk-based capital ratio
Memoranda
$11Average assets
$185,031Average earning assets
$13,808Average equity
$162,636Average loans
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