FDIC Certificate #: 33111 Status: Active Federal Reserve ID: 1718469 Date Established: June 29, 1990 WWW:http://www.coloradofederalbank.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 8876 FDIC's unique #: 46345 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: June 29, 1990 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 8400 East Prentice Avenue, Suite 545, Greenwood Village, CO 80111 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)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $1,547.2 mil Equity capital: $130.5 mil Deposits held in domestic offices: $1,078.8 mil Return on assets (ROA): 0.56% ($8.7 mil) Quarterly return on assets: 0.47% ($7.3 mil) Return on Equity (ROE): 5.90% ($7.7 mil) Quarterly return on equity: 5.56% ($7.3 mil) Net income: $6.1 mil Quarterly Net income: $1.8 mil Pretax return on assets: 0.93% ($14,388.8 mil) Quarterly Pretax return on assets: 0.78% ($12,068.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 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, 2011)
Dollar figures in thousands
21Total employees (full-time equivalent)
$1,547,178Total assets
$128,262Cash and due from depository institutions
$120,071Interest-bearing balances
$680,326Securities
$1,000Federal funds sold & reverse repurchase agreements
$651,947Net loans & leases
$1,358Loan loss allowance
$0Trading account assets
$179Bank premises and fixed assets
$2,160Other real estate owned
$37,572Goodwill and other intangibles
$1,547,178Life insurance assets
$45,732All other assets
$1,416,660Total liabilities and capital
$1,078,795Total liabilities
$478,747Total deposits
$1,078,795Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$325,000Trading liabilities
$0Other borrowed funds
$12,865Subordinated debt
$130,518All other liabilities
$130,518Total equity capital
$130,518Total bank equity capital
$0Perpetual preferred stock
$851Common stock
$116,528Surplus
$13,139Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,762Income earned, not collected on loans
$0Earning assets
$3,611Long-term assets (5+ years)
$1,453,344Average Assets, year-to-date
$0Average Assets, quarterly
$1,097,279Volatile liabilities
$1,505,185Insider loans
$545,074FHLB advances
$1,544,317Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$127,394Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$138,361Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$26,471Total interest income
$5,860Total interest expense
$20,611Net interest income
$886Provision for loan and lease losses
-$3,740Total noninterest income
$0Fiduciary activities
$9Service charges on deposit accounts
$0Trading account gains & fees
-$3,749Additional noninterest income
$6,081Total noninterest expense
$2,890Salaries and employee benefits
$967Premises and equipment expense
$2,224Additional noninterest expense
$9,904Pre-tax net operating income
$284Securities gains (losses)
$4,085Applicable income taxes
$6,103Income before extraordinary items
$0Extraordinary gains - net
$6,103Net income attributable to bank
$0Net charge-offs
$6,103Cash dividends
$169Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.55%Yield on earning assets
0.56%Cost of funding earning assets
1.98%Net interest margin
-0.36%Noninterest income to earning assets
0.59%Noninterest expense to earning assets
0.54%Net operating income to assets
0.56%Return on assets (ROA)
0.93%Pretax return on assets
5.90%Return on equity (ROE)
5.90%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
524.26%Credit loss provision to net charge-offs
63.85%Efficiency ratio
36,044Assets per employee
73.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.21%Loss allowance to noncurrent loans
36.10%Noncurrent assets plus other real estate owned to assets
0.38%Noncurrent loans to loans
0.58%Net loans and leases to deposits
60.43%Net loans and leases to core deposits
62.18%Equity capital to assets
8.44%Core capital (leverage) ratio
8.25%Tier 1 risk-based capital ratio
23.37%Total risk-based capital ratio
Memoranda
$24Average assets
$1,097,279Average earning assets
$103,479Average equity
$1,038,688Average loans
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
46345
Colorado Federal Savings Bank
8400 East Prentice Avenue, Suite 545, Greenwood Village, CO 80111
June 29, 1990
Full Service Brick and Mortar
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