FDIC Certificate #: 58772 Status: Active Federal Reserve ID: 3636259 Bank Holding Company (Regulatory Top Holder): Capitol Bancorp Ltd. (RSSDID: 1247334, Location: Lansing, MI) Date Established: Febuary 08, 2008 WWW:http://www.mountainviewbankofcommerce.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 467523 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: Febuary 08, 2008 Last Structure Change Effective Date: Febuary 08, 2008 Last Structure Change Process Date: Febuary 13, 2008 Last Data Update: Febuary 13, 2008 Data Source Date: April 05, 2012
Location
Address: 12365 Huron Street, Westminster, CO 80234 County: Adams Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City 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 Geographic Region/Area/Territory/Field Office
New Institution
Financial Summary
Total assets: $51.7 mil Equity capital: $7.5 mil Deposits held in domestic offices: $41.7 mil Return on assets (ROA): 0.35% ($0.2 mil) Quarterly return on assets: 0.69% ($0.4 mil) Return on Equity (ROE): 2.62% ($0.2 mil) Quarterly return on equity: 4.81% ($0.4 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.55% ($284.2 mil) Quarterly Pretax return on assets: 1.06% ($547.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$51,666Total assets
$9,897Cash and due from depository institutions
$8,448Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$39,309Net loans & leases
$751Loan loss allowance
$0Trading account assets
$375Bank premises and fixed assets
$1,009Other real estate owned
$0Goodwill and other intangibles
$51,666Life insurance assets
$1,076All other assets
$44,139Total liabilities and capital
$41,708Total liabilities
$34,336Total deposits
$41,708Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,320Trading liabilities
$0Other borrowed funds
$111Subordinated debt
$7,527All other liabilities
$7,527Total equity capital
$7,527Total bank equity capital
$0Perpetual preferred stock
$4,000Common stock
$4,000Surplus
$-473Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$22Income earned, not collected on loans
$0Earning assets
$147Long-term assets (5+ years)
$47,757Average Assets, year-to-date
$5,357Average Assets, quarterly
$55,864Volatile liabilities
$51,943Insider loans
$40,864FHLB advances
$51,901Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,292Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,647Restructured Loans and leases
$924Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,655Total interest income
$628Total interest expense
$2,027Net interest income
$86Provision for loan and lease losses
$90Total noninterest income
$0Fiduciary activities
$27Service charges on deposit accounts
$0Trading account gains & fees
$63Additional noninterest income
$1,722Total noninterest expense
$694Salaries and employee benefits
$209Premises and equipment expense
$819Additional noninterest expense
$309Pre-tax net operating income
$0Securities gains (losses)
$115Applicable income taxes
$194Income before extraordinary items
$0Extraordinary gains - net
$194Net income attributable to bank
$0Net charge-offs
$194Cash dividends
$124Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.03%Yield on earning assets
1.19%Cost of funding earning assets
3.84%Net interest margin
0.17%Noninterest income to earning assets
3.26%Noninterest expense to earning assets
0.35%Net operating income to assets
0.35%Return on assets (ROA)
0.55%Pretax return on assets
2.62%Return on equity (ROE)
2.62%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
69.35%Credit loss provision to net charge-offs
3.19%Efficiency ratio
81,342Assets per employee
6.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.87%Loss allowance to noncurrent loans
3413.64%Noncurrent assets plus other real estate owned to assets
2.00%Noncurrent loans to loans
0.05%Net loans and leases to deposits
94.25%Net loans and leases to core deposits
94.25%Equity capital to assets
14.57%Core capital (leverage) ratio
14.05%Tier 1 risk-based capital ratio
17.84%Total risk-based capital ratio
Memoranda
$19Average assets
$55,864Average earning assets
$7,410Average equity
$52,745Average loans
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
467523
Mountain View Bank Of Commerce
12365 Huron Street, Westminster, CO 80234
Febuary 08, 2008
Full Service Brick and Mortar
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