UMB Bank Colorado, National Association in Denver, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


UMB Bank Colorado, National Association - Overview

  • General
  • FDIC Certificate #: 19298
    Status: Active
    Federal Reserve ID: 593753
    Bank Holding Company (Regulatory Top Holder): Umb Financial Corporation (RSSDID: 1049828, Location: Kansas City, MO)
    Date Established: Febuary 24, 1958
    WWW: http://www.umb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 16 (Domestic: 16, Interstate: No)
    FDIC's unique #: 13111
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 25, 1964
    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: 1670 Broadway, Denver, CO 80202
    County: Denver
    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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,566.2 mil
    Equity capital: $164.9 mil
    Deposits held in domestic offices: $1,205.8 mil
    Return on assets (ROA): 0.92% ($14.4 mil)
    Quarterly return on assets: 0.86% ($13.5 mil)
    Return on Equity (ROE): 8.90% ($14.7 mil)
    Quarterly return on equity: 8.11% ($13.4 mil)
    Net income: $13.5 mil
    Quarterly Net income: $3.3 mil
    Pretax return on assets: 1.35% ($21,143.6 mil)
    Quarterly Pretax return on assets: 1.27% ($19,890.7 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
  • 208Total employees (full-time equivalent)
  • $1,566,195Total assets
  • $31,772Cash and due from depository institutions
  • $4,811Interest-bearing balances
  • $791,366Securities
  • $20,563Federal funds sold & reverse repurchase agreements
  • $626,943Net loans & leases
  • $6,398Loan loss allowance
  • $0Trading account assets
  • $31,835Bank premises and fixed assets
  • $191Other real estate owned
  • $52,691Goodwill and other intangibles
  • $1,566,195Life insurance assets
  • $10,834All other assets
  • $1,401,315Total liabilities and capital
  • $1,205,804Total liabilities
  • $1,083,087Total deposits
  • $1,205,804Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 182769.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $12,742Subordinated debt
  • $164,880All other liabilities
  • $164,880Total equity capital
  • $164,880Total bank equity capital
  • $0Perpetual preferred stock
  • $6,000Common stock
  • $109,250Surplus
  • $49,630Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,594Income earned, not collected on loans
  • $0Earning assets
  • $4,844Long-term assets (5+ years)
  • $1,443,683Average Assets, year-to-date
  • $502,034Average Assets, quarterly
  • $1,471,317Volatile liabilities
  • $1,536,443Insider loans
  • $884,818FHLB advances
  • $1,483,802Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $103,867Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $302,532Restructured Loans and leases
  • $43,045Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $42,745Total interest income
  • $3,267Total interest expense
  • $39,478Net interest income
  • $0Provision for loan and lease losses
  • $10,675Total noninterest income
  • $1,690Fiduciary activities
  • $4,876Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,109Additional noninterest income
  • $31,262Total noninterest expense
  • $13,115Salaries and employee benefits
  • $5,171Premises and equipment expense
  • $12,976Additional noninterest expense
  • $18,891Pre-tax net operating income
  • $971Securities gains (losses)
  • $6,346Applicable income taxes
  • $13,516Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,516Net income attributable to bank
  • $0Net charge-offs
  • $13,516Cash dividends
  • $522Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.15%Yield on earning assets
  • 0.24%Cost of funding earning assets
  • 2.91%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 2.31%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 8.90%Return on equity (ROE)
  • 8.90%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 36.19%Efficiency ratio
  • 59,185Assets per employee
  • 7.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 401.38%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 51.99%Net loans and leases to core deposits
  • 56.77%Equity capital to assets
  • 10.53%Core capital (leverage) ratio
  • 7.00%Tier 1 risk-based capital ratio
  • 11.74%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,471,317Average earning assets
  • $151,876Average equity
  • $1,355,413Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $175,886Managed Assets
  • 1Number of Accounts
  • $147,939Personal trust and agency accounts
  • $48,942Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2,345Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $94,630Other fiduciary accounts
  • $2,022Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 122Number of Accounts
  • $0Personal trust and agency accounts
  • $2,345Employee benefit-defined contribution accounts
  • $15,433Employee benefit-defined benefit accounts
  • $27,947Other retirement accounts
  • $9,518Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 16 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013111Umb Bank Colorado, National Association1670 Broadway, Denver, CO 80202Febuary 24, 1958Full Service Brick and Mortar
    1247844Drive-In Branch510 Security Boulevard, Security, CO 80911November 13, 1972Limited Service Facility
    217557Rockrimmon Branch5825 Delmonico Drive, Colorado Springs, CO 80919September 18, 1984Full Service Brick and Mortar
    3247845Broadmoor Branch290 East Cheyenne Mountain Boulevard, Colorado Springs, CO 80915June 01, 1992Full Service Brick and Mortar
    535377East Galley Road Branch5910 East Galley Road, Colorado Springs, CO 80915April 01, 1986Full Service Brick and Mortar
    6247847Security Boulevard Branch502 Security Boulevard, Security, CO 80911September 23, 1994Full Service Brick and Mortar
    713832Columbine Branch6900 East Hampden Avenue, Denver, CO 80222Febuary 16, 1970Full Service Brick and Mortar
    8247848Highlands Banking Center Branch8190 South University Boulevard, Littleton, CO 80122July 05, 1995Full Service Brick and Mortar
    12247852Southwest Plaza Branch8046 West Bowles Avenue, Littleton, CO 80123March 02, 1998Full Service Brick and Mortar
    13360256Cherry Creek Banking Center703 Colorado Boulevard, Denver, CO 80206May 29, 2001Full Service Brick and Mortar
    1410783Mountain States Bank Branch1635 East Colfax Avenue, Denver, CO 80218January 20, 1943Full Service Brick and Mortar
    18469273Stapleton Banking Center3535 Quebec Street, Denver, CO 80207September 24, 2007Full Service Brick and Mortar
    19473126Cascade Avenue Banking Center101 North Cascade Avenue, Colorado Springs, CO 80903January 14, 2008Full Service Brick and Mortar
    2014273The Citadel Bank Branch730 Citadel Drive East, Colorado Springs, CO 80932April 29, 1972Full Service Brick and Mortar
    21340793Messenger Service730 Citadel Drive East, Colorado Springs, CO 80932May 23, 2000Limited Service Messenger
    224927571400 Wewatta (Lodo) Branch1400 Wewatta St, Denver, CO 80202January 01, 2009Full Service Brick and Mortar

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