FDIC Certificate #: 23210 Status: Active Federal Reserve ID: 732758 Bank Holding Company (Regulatory Top Holder): Bankers' Bank Of The West Bancorp, Inc. (RSSDID: 2249401, Location: Denver, CO) Date Established: October 01, 1980 WWW:http://www.bbwest.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 16263 Numeric code: 13 Regulator: FED 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: October 01, 1980 Last Structure Change Effective Date: December 13, 2011 Last Structure Change Process Date: December 21, 2011 Last Data Update: December 21, 2011 Data Source Date: April 05, 2012
Location
Address: 1099 18th Street, Suite 2700, Denver, CO 80202 County: Denver 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: $367.4 mil Equity capital: $33.4 mil Deposits held in domestic offices: $322.4 mil Return on assets (ROA): 0.50% ($1.8 mil) Quarterly return on assets: 0.43% ($1.6 mil) Return on Equity (ROE): 5.59% ($1.8 mil) Quarterly return on equity: 4.64% ($1.5 mil) Net income: $1.8 mil Quarterly Net income: $0.4 mil Pretax return on assets: 0.50% ($1,836.8 mil) Quarterly Pretax return on assets: -0.45% (-$1,653.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
46Total employees (full-time equivalent)
$367,367Total assets
$78,943Cash and due from depository institutions
$63,117Interest-bearing balances
$83,161Securities
$25,400Federal funds sold & reverse repurchase agreements
$159,778Net loans & leases
$7,253Loan loss allowance
$0Trading account assets
$176Bank premises and fixed assets
$9,146Other real estate owned
$0Goodwill and other intangibles
$367,367Life insurance assets
$10,763All other assets
$333,971Total liabilities and capital
$322,375Total liabilities
$146,174Total deposits
$322,375Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$11,596Subordinated debt
$33,396All other liabilities
$33,396Total equity capital
$33,396Total bank equity capital
$0Perpetual preferred stock
$1,234Common stock
$15,091Surplus
$17,071Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$13,065Income earned, not collected on loans
$0Earning assets
$1,057Long-term assets (5+ years)
$331,456Average Assets, year-to-date
$74,596Average Assets, quarterly
$366,751Volatile liabilities
$362,949Insider loans
$194,887FHLB advances
$374,143Loans and leases held for sale
$4,994Unused loan commitments
$4,725Tier 1 (core) risk-based capital
$32,428Tier 2 risk-based capital
$0Total risk weighted assets
$269Total unused commitments
$51,787Restructured Loans and leases
$1,000Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$9,854Total interest income
$1,474Total interest expense
$8,380Net interest income
$615Provision for loan and lease losses
$9,885Total noninterest income
$0Fiduciary activities
$1,210Service charges on deposit accounts
$0Trading account gains & fees
$8,675Additional noninterest income
$15,817Total noninterest expense
$4,141Salaries and employee benefits
$807Premises and equipment expense
$10,869Additional noninterest expense
$1,833Pre-tax net operating income
$0Securities gains (losses)
$9Applicable income taxes
$1,824Income before extraordinary items
$0Extraordinary gains - net
$1,824Net income attributable to bank
$0Net charge-offs
$1,824Cash dividends
$6,903Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.97%Yield on earning assets
0.44%Cost of funding earning assets
2.53%Net interest margin
2.98%Noninterest income to earning assets
4.77%Noninterest expense to earning assets
0.50%Net operating income to assets
0.50%Return on assets (ROA)
0.50%Pretax return on assets
5.59%Return on equity (ROE)
5.59%Retained earnings to average equity (YTD only)
3.77%Net charge-offs to loans
8.91%Credit loss provision to net charge-offs
0.35%Efficiency ratio
86,597Assets per employee
7.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.34%Loss allowance to noncurrent loans
55.51%Noncurrent assets plus other real estate owned to assets
6.05%Noncurrent loans to loans
7.82%Net loans and leases to deposits
49.56%Net loans and leases to core deposits
57.71%Equity capital to assets
9.09%Core capital (leverage) ratio
8.67%Tier 1 risk-based capital ratio
16.64%Total risk-based capital ratio
Memoranda
$18Average assets
$366,751Average earning assets
$32,610Average equity
$331,559Average loans
Total Fiduciary and Related Assets (December 31, 2004)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$3,358,456Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
133Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$3,358,456Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
16263
Bankers' Bank Of The West
1099 18th Street, Suite 2700, Denver, CO 80202
October 01, 1980
Full Service Brick and Mortar
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