FDIC Certificate #: 20674 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:UMB Bank Colorado, National Association (#19298) Federal Reserve ID: 899455 Date Established: April 29, 1972 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 14273 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: April 29, 1972 Last Structure Change Effective Date: October 31, 2008 Last Structure Change Process Date: November 26, 2008 Last Data Update: November 26, 2008 Data Source Date: April 05, 2012
Location
Address: 730 Citadel Drive East, Colorado Springs, CO 80932 County: El Paso 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): Colorado Springs, CO (#1720) Core Based Statistical Area (CBSA): Colorado Springs, CO (#17820) CBSA Metro Statistical Area: Colorado Springs, CO (#17820)
Financial Summary
Total assets: $95.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)
Dollar figures in thousands
17Total employees (full-time equivalent)
$92,306Total assets
$36,459Cash and due from depository institutions
$31,727Interest-bearing balances
$23,936Securities
$2,125Federal funds sold & reverse repurchase agreements
$25,545Net loans & leases
$269Loan loss allowance
$0Trading account assets
$2,345Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$735Life insurance assets
$1,896All other assets
$92,306Total liabilities and capital
$86,050Total liabilities
$84,976Total deposits
$54,915Interest-bearing deposits
$84,976Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,074All other liabilities
$6,256Total equity capital
$6,256Total bank equity capital
$6,256Perpetual preferred stock
$0Common stock
$750Surplus
$750Undivided profits
Memoranda
$4,756Noncurrent loans and leases
$6,604Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$879Average Assets, year-to-date
$83,333Average Assets, quarterly
$2,567Volatile liabilities
$76,982Insider loans
$90,206FHLB advances
$11,283Loans and leases held for sale
$190Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$6,604Total unused commitments
$0Restructured Loans and leases
$269Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$4,553Total interest income
$722Total interest expense
$3,831Net interest income
$5Provision for loan and lease losses
$1,320Total noninterest income
$0Fiduciary activities
$682Service charges on deposit accounts
$0Trading account gains & fees
$638Additional noninterest income
$2,636Total noninterest expense
$1,108Salaries and employee benefits
$286Premises and equipment expense
$1,242Additional noninterest expense
$2,510Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$2,510Income before extraordinary items
$0Extraordinary gains - net
$2,510Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$10Sale, conversion, retirement of capital stock, net
$1,509Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.60%Yield on earning assets
1.05%Cost of funding earning assets
5.56%Net interest margin
1.91%Noninterest income to earning assets
3.82%Noninterest expense to earning assets
3.26%Net operating income to assets
3.26%Return on assets (ROA)
3.26%Pretax return on assets
46.12%Return on equity (ROE)
18.39%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
50.00%Credit loss provision to net charge-offs
251.50%Efficiency ratio
51,175Assets per employee
5.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
60.12%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
30.06%Net loans and leases to core deposits
34.66%Equity capital to assets
6.78%Core capital (leverage) ratio
6.74%Tier 1 risk-based capital ratio
14.98%Total risk-based capital ratio
Memoranda
$16Average assets
$76,982Average earning assets
$5,442Average equity
$68,946Average loans
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