Citywide Banks

Citywide Banks is headquartered in Aurora and is the 9^th largest bank in the state of Colorado. It is also the 659^th largest bank in the nation. It was established in 1969 and as of March of 2012, it had grown to 216 employees at 13 locations. Citywide Banks has a 3-star health rating.

Data for Q1 2012

Institution Statistics Citywide Banks FDIC Certificate # 19858 BankRate Report View Year Established 1969 Employees 216 Primary Regulator FDIC Assets and Liabilities Assets $1.01 billion Loans $647.47 million Deposits $881.09 million Equity Capital $99.72 million Loan Loss Allowance $15.50 million Unbacked Noncurrent Loans $11.47 million Real Estate Owned $43.46 million Historic Data - March 2011 Assets $991.07 million Equity Capital $95.56 million Loan Loss Allowance $14.02 million Unbacked Noncurrent Loans $37.12 million Real Estate Owned $26.59 million Profit Margin - Quarterly Net Interest Margin 4.48% Return on Assets 1.01% Return on Equity 10.18% Interest Income $10.94 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Citywide Banks had $54.93 million in non-current loans and owned real-estate with $115.22 million in equity and loan loss allowances on hand to cover it. This gives Citywide Banks a Texas Ratio of 47.68% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Citywide Banks decreased slightly from 58.14% as of March 31, 2011 to 47.68% as of March 31, 2012, resulting in a positive change of 18.00%.This indicates that the balance sheet and financial strength for Citywide Banks has improved slightly in recent periods. Deposit Growth In the past year, Citywide Banks has increased its total deposits by $36.04 million, resulting in 4.26% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citywide Banks has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citywide Banks has $1.01 billion in assets with $115.22 million in equity, resulting in a capitalization level of 11.46%, which is above average.

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