Mountain View Bank of Commerce in Westminster, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Mountain View Bank of Commerce in Westminster, Colorado (CO)
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Mountain View Bank of Commerce - Overview

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    0467523Mountain View Bank Of Commerce12365 Huron Street, Westminster, CO 80234Febuary 08, 2008Full Service Brick and Mortar

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