FDIC Certificate #: 23658 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Citywide Banks (#19858) Federal Reserve ID: 756259 Date Established: December 30, 1981 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) FDIC's unique #: 16557 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: December 30, 1981 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: 13731 East Mississippi Avenue, Aurora, CO 80012 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: $100.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
32Total employees (full-time equivalent)
$104,466Total assets
$13,251Cash and due from depository institutions
$2,965Interest-bearing balances
$22,593Securities
$2,300Federal funds sold & reverse repurchase agreements
$64,666Net loans & leases
$791Loan loss allowance
$0Trading account assets
$571Bank premises and fixed assets
$7Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,078All other assets
$104,466Total liabilities and capital
$97,355Total liabilities
$96,729Total deposits
$62,053Interest-bearing deposits
$96,729Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$626All other liabilities
$7,111Total equity capital
$7,111Total bank equity capital
$7,111Perpetual preferred stock
$0Common stock
$750Surplus
$750Undivided profits
Memoranda
$5,611Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$144Earning assets
$0Long-term assets (5+ years)
$588Average Assets, year-to-date
$92,524Average Assets, quarterly
$20,072Volatile liabilities
$95,911Insider loans
$102,085FHLB advances
$6,802Loans and leases held for sale
$24Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$13,242Total unused commitments
$0Restructured Loans and leases
$72,791Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$7,596Total interest income
$2,354Total interest expense
$5,242Net interest income
$330Provision for loan and lease losses
$1,426Total noninterest income
$0Fiduciary activities
$734Service charges on deposit accounts
$0Trading account gains & fees
$692Additional noninterest income
$4,036Total noninterest expense
$1,458Salaries and employee benefits
$528Premises and equipment expense
$2,050Additional noninterest expense
$2,302Pre-tax net operating income
$0Securities gains (losses)
$751Applicable income taxes
$1,551Income before extraordinary items
$0Extraordinary gains - net
$1,551Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$108Sale, conversion, retirement of capital stock, net
$650Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.87%Yield on earning assets
2.75%Cost of funding earning assets
6.12%Net interest margin
1.66%Noninterest income to earning assets
4.71%Noninterest expense to earning assets
1.62%Net operating income to assets
1.62%Return on assets (ROA)
2.40%Pretax return on assets
23.68%Return on equity (ROE)
13.75%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
305.56%Credit loss provision to net charge-offs
24.37%Efficiency ratio
60,528Assets per employee
3.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.91%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
549.31%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.22%Net loans and leases to deposits
66.85%Net loans and leases to core deposits
71.91%Equity capital to assets
6.81%Core capital (leverage) ratio
7.18%Tier 1 risk-based capital ratio
9.74%Total risk-based capital ratio
Memoranda
$11Average assets
$95,911Average earning assets
$6,551Average equity
$85,660Average loans
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