Bank Of Colorado Mortgage Rates, Fees & Info

Fort Collins, CO

LEI: 549300R0DP2GXAIMGB41

Tax ID: 84-0205240

5 stars - out of 5 stars, based on 53 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Bank Of Colorado is a small bank specializing in Home Purchase and Refi loans. Bank Of Colorado has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Fort Collins, Denver, Durango, Greeley, and Glenwood Springs among others. Bank Of Colorado has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Bank Of Colorado is typically an average fee lendor.


Originations

2,862

Origination Dollar Volume (All Markets)

$1,148,190,000

Employee count

703 Show all (10) awards

Relative Rate

Bank Of Colorado's average 30 year fixed rate mortgage of loans were 3.04%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.11%.

Relative Fees

Bank Of Colorado's average total fees for a 30 year fixed rate mortgage are $4,352.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
FORT COLLINS, CO (FHA|USDA|VA) 521 $217,685,000 $417,821 $4,173 3.04%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 355 $214,815,000 $605,113 $5,003 3.21%
Durango, CO (FHA|USDA|VA) 256 $122,200,000 $477,344 $4,829 3.07%
GREELEY, CO (FHA|USDA|VA) 331 $113,785,000 $343,761 $3,972 3.10%
Outside of Metro Areas 382 $108,960,000 $285,236 $4,306 3.23%
Glenwood Springs, CO (FHA|USDA|VA) 114 $51,810,000 $454,474 $4,825 3.10%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 40 $35,650,000 $891,250 $7,075 3.12%
BOULDER, CO (FHA|USDA|VA) 43 $34,815,000 $809,651 $5,539 3.21%
Fort Morgan, CO (FHA|USDA|VA) 141 $34,365,000 $243,723 $4,512 3.28%
GRAND JUNCTION, CO (FHA|USDA|VA) 108 $32,280,000 $298,889 $4,187 3.09%
COLORADO SPRINGS, CO (FHA|USDA|VA) 70 $29,670,000 $423,857 $3,649 3.34%
Sterling, CO (FHA|USDA|VA) 146 $27,770,000 $190,205 $3,661 3.31%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 83 $22,895,000 $275,843 $4,930 2.97%
Edwards, CO (FHA|USDA|VA) 18 $14,550,000 $808,333 $9,785 3.16%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 25 $13,245,000 $529,800 $6,592 3.31%
FARMINGTON, NM (FHA|USDA|VA) 12 $10,360,000 $863,333 $4,372 3.11%
Montrose, CO (FHA|USDA|VA) 37 $8,985,000 $242,838 $2,769 3.18%
Breckenridge, CO (FHA|USDA|VA) 9 $8,615,000 $957,222 $12,615 3.33%
Craig, CO (FHA|USDA|VA) 47 $8,075,000 $171,809 $3,941 3.14%
Steamboat Springs, CO (FHA|USDA|VA) 8 $5,820,000 $727,500 $8,007 2.99%
Gallup, NM (FHA|USDA|VA) 39 $5,355,000 $137,308 $2,679 3.35%
Gillette, WY (FHA|USDA|VA) 12 $2,880,000 $240,000 $3,979 2.88%
ALBUQUERQUE, NM (FHA|USDA|VA) 6 $2,270,000 $378,333 $6,979 2.90%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $2,220,000 $1,110,000 $3,640 3.50%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $1,625,000 $1,625,000 $0 3.50%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $24,324 2.95%
TUCSON, AZ (FHA|USDA|VA) 5 $1,485,000 $297,000 $4,699 2.89%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $1,235,000 $1,235,000 $17,265 3.45%
LINCOLN, NE (FHA|USDA|VA) 3 $1,185,000 $395,000 $4,793 3.34%
Cañon City, CO (FHA|USDA|VA) 4 $880,000 $220,000 $3,026 3.53%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $805,000 $805,000 $13,164 3.25%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $770,000 $385,000 $4,889 3.06%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $690,000 $345,000 $6,213 3.06%
WICHITA, KS (FHA|USDA|VA) 2 $620,000 $310,000 $0 3.75%
CHEYENNE, WY (FHA|USDA|VA) 2 $540,000 $270,000 $4,261 2.75%
Bozeman, MT (FHA|USDA|VA) 2 $500,000 $250,000 $0 3.50%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $485,000 $485,000 $6,385 3.13%
Los Alamos, NM (FHA|USDA|VA) 1 $475,000 $475,000 $4,658 2.75%
Mount Pleasant, TX (FHA|USDA|VA) 1 $445,000 $445,000 $10,467 2.50%
PUEBLO, CO (FHA|USDA|VA) 1 $445,000 $445,000 $0 3.50%
PROVO-OREM, UT (FHA|USDA|VA) 1 $445,000 $445,000 $5,782 2.63%
Grants, NM (FHA|USDA|VA) 3 $435,000 $145,000 $3,512 3.69%
CASPER, WY (FHA|USDA|VA) 2 $400,000 $200,000 $2,804 3.06%
Nogales, AZ (FHA|USDA|VA) 1 $395,000 $395,000 $7,491 3.20%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $350,000 $175,000 $3,618 3.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $295,000 $295,000 $4,677 3.25%
Granbury, TX (FHA|USDA|VA) 1 $295,000 $295,000 $7,573 2.88%
Riverton, WY (FHA|USDA|VA) 1 $285,000 $285,000 $8,466 2.88%
Jackson, WY-ID (FHA|USDA|VA) 1 $275,000 $275,000 $3,030 2.13%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.00%
Española, NM (FHA|USDA|VA) 1 $255,000 $255,000 $7,263 2.50%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,995 3.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $215,000 $215,000 $2,869 3.13%
SANTA FE, NM (FHA|USDA|VA) 1 $215,000 $215,000 $2,495 3.00%
Shawano, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,847 2.75%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.75%
Laramie, WY (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.25%
Woodward, OK (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.00%
Coffeyville, KS (FHA|USDA|VA) 1 $105,000 $105,000 $3,758 3.88%
FARGO, ND-MN (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.13%
Bemidji, MN (FHA|USDA|VA) 1 $65,000 $65,000 $2,813 2.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $65,000 $65,000 $1,280 2.63%
Show Low, AZ (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.25%

Bank Of Colorado's top markets include Fort Collins, Denver, Durango, Greeley, and Glenwood Springs among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,680 $1,092,770,000 $407,750 $4,228 3.17%
FHA 95 $26,895,000 $283,105 $9,566 3.05%
VA 60 $22,570,000 $376,167 $4,975 2.64%
USDA 27 $5,955,000 $220,556 $5,292 2.74%

For the 2021 period, Bank Of Colorado's most frequently originated loan type of loans were Conventional, with 2,680 originations. Their 2nd most popular type is FHA, with 95 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,363 $623,985,000 $457,803 $6,013 3.24%
Refi 957 $374,325,000 $391,144 $3,269 3.02%
Cash Out Refi 422 $126,640,000 $300,095 $3,441 3.05%
Home Improvement 64 $10,620,000 $165,938 $1,943 3.60%
Other 56 $12,620,000 $225,357 $2,741 3.31%

For the 2021, Bank Of Colorado's most frequently cited loan purpose of loans were Home Purchase, with 1,363 originations. The 2nd most popular reason of loans were Refi, with 957 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,847 $677,625,000 $366,879 $4,352 3.04%
15 Year 310 $71,090,000 $229,323 $2,841 2.90%
10 Year 296 $172,170,000 $581,655 $1,984 3.66%
30+ year 157 $121,665,000 $774,936 $10,303 3.37%
20 Year 104 $26,500,000 $254,808 $3,500 3.18%
Other 60 $39,180,000 $653,000 $1,919 3.71%
1 Year 55 $21,635,000 $393,364 $5,919 3.86%
5 Year 29 $14,885,000 $513,276 $676 3.69%
3 Year 4 $3,440,000 $860,000 $577 3.60%

For the 2021, Bank Of Colorado's most frequently cited loan length of loans were 30 Year, with 1,847 originations. The 2nd most popular length of loans were 15 Year, with 310 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 1,403 $437,535,000 $311,857
$3k-4k 258 $101,710,000 $394,225
$5k+ 232 $205,120,000 $884,138
$<1k 212 $64,610,000 $304,764
$2k-3k 196 $56,880,000 $290,204

$4,352 of loans were Bank Of Colorado's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 1,403 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 1,291 $567,115,000 $439,284
2.5-3% 1,229 $483,265,000 $393,218
<2.5% 201 $63,765,000 $317,239
4-5% 132 $32,960,000 $249,697
5-6% 7 $745,000 $106,429
Over 8% 2 $340,000 $170,000

During 2021, Bank Of Colorado's average interest rate of loans were 3.04%, while their most frequently originated rate bucket of loans were 3-4%, with 1,291 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,198 $352,350,000 $294,115 $3,980 3.11%
$400k-600k 572 $278,840,000 $487,483 $4,503 3.03%
$100k-200k 513 $77,595,000 $151,257 $3,194 3.15%
$600k-1MM 233 $175,645,000 $753,841 $7,876 3.18%
$100,000 or less 218 $14,570,000 $66,835 $1,830 3.55%
$1MM+ 128 $249,190,000 $1,946,797 $15,416 3.33%

2021 saw Bank Of Colorado place emphasis on $200k-400k loans with 1,198 originations, totaling $352,350,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 538 $194,930,000 $362,323 $4,105 3.08%
$50k-75k 477 $112,955,000 $236,803 $3,993 3.09%
$150k-250k 418 $183,350,000 $438,636 $4,623 3.06%
$250k+ 375 $246,765,000 $658,040 $7,184 3.17%
$75k-100k 352 $100,550,000 $285,653 $3,968 3.10%
$50k or less 309 $49,295,000 $159,531 $3,333 3.13%

Bank Of Colorado lent most frequently to those with incomes in the $100k-150k range, with 538 originations. The second most popular income band? $50k-75k, with 477 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 562 $203,150,000 $361,477 $4,105 3.02%
30-36% 502 $186,320,000 $371,155 $4,411 3.10%
<20% 300 $108,140,000 $360,467 $4,423 3.02%
38% 100 $37,230,000 $372,300 $4,694 3.05%
42% 87 $29,955,000 $344,310 $4,287 3.00%
41% 86 $32,430,000 $377,093 $4,494 3.02%
39% 82 $31,520,000 $384,390 $4,575 3.09%
43% 81 $27,565,000 $340,309 $4,787 3.09%
36% 78 $27,760,000 $355,897 $4,432 3.12%
40% 77 $30,365,000 $394,351 $4,779 3.05%
44% 76 $22,510,000 $296,184 $3,872 3.04%
37% 74 $24,110,000 $325,811 $3,736 3.05%
49% 69 $21,975,000 $318,478 $4,265 3.00%
47% 67 $22,195,000 $331,269 $4,922 3.05%
45% 56 $18,180,000 $324,643 $4,225 3.04%
48% 54 $18,650,000 $345,370 $4,310 3.01%
46% 34 $12,790,000 $376,176 $4,774 3.00%
50-60% 34 $15,360,000 $451,765 $8,545 3.16%
>60% 8 $4,700,000 $587,500 $7,569 3.25%

Bank Of Colorado lent most frequently to those with DTI ratios of 20-30%, with 562 originations. The next most common DTI ratio? 30-36%, with 502 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,194 $780,130,000 $355,574 $4,287 3.09%
Not applicable 273 $202,715,000 $742,546 $18,826 3.70%
Not provided 328 $128,800,000 $392,683 $5,136 3.12%
Asian 39 $25,195,000 $646,026 $4,059 3.09%
American Indian 14 $5,520,000 $394,286 $4,006 3.11%
Black 12 $4,120,000 $343,333 $6,140 3.12%
Asian Indian 1 $1,105,000 $1,105,000 $14,373 3.38%
Other Asian 1 $605,000 $605,000 $3,094 3.38%

Approval Rates

Total approvals of all applications
91.79%

Bank Of Colorado has an average approval rate.

Pick Rate

Approvals leading to origination
78.38%

Bank Of Colorado has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 2,862 $1,148,190,000 $401,184

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
2,862 $1,148,190,000 $401,184

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 308 $92,900,000 $301,623 $2,981 3.11%
40-60% 687 $271,445,000 $395,116 $3,955 3.09%
60-80% 1,155 $534,995,000 $463,199 $4,882 3.22%
80-100% 592 $222,080,000 $375,135 $5,262 3.05%
Over 100% 21 $11,825,000 $563,095 $11,946 3.36%
Under 20% 97 $14,405,000 $148,505 $1,604 3.49%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
BANK OF HAWAII CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
BANK OF HAWAII CORPORATION Conventional home mortgage Closing on a mortgage 1 33.3%
BANK OF HAWAII CORPORATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 33.3%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Bank of Colorado 13 N 50th Ave Brighton, CO 80601 Full Service B&M $48,283
Bank of Colorado 1200 Railroad Avenue Rifle, CO 81650 Full Service B&M $39,407
Bank of Colorado 205 Country Center Drive Pagosa Springs, CO 81147 Full Service B&M $91,243
Bank of Colorado 206 E 4th St, Ste 200 Loveland, CO 80537 Full Service B&M $10,335
Bank of Colorado 250 West Victory Way Craig, CO 81625 Full Service B&M $133,645
Bank of Colorado 255 E Sheldon Ave, Suite B Prescott, AZ 86301 Full Service B&M $18,198
Bank of Colorado 2679 W Main St, Suite 100 Littleton, CO 80120 Full Service B&M $24,869
Bank of Colorado 275 Union Boulevard Lakewood, CO 80228 Full Service B&M $106,400
Bank of Colorado 2903 Patterson Rd Grand Junction, CO 81504 Full Service B&M $42,311
Bank of Colorado 301 Clayton Street Brush, CO 80723 Full Service B&M $144,801
Bank of Colorado 3459 West 20th Street, Suite 114 Greeley, CO 80634 Full Service B&M $213,535
Bank of Colorado 365 W 1st St Akron, CO 80720 Full Service B&M $57,892
Bank of Colorado 394 East Bridge Street Hotchkiss, CO 81419 Full Service B&M $45,835
Bank of Colorado 420 East 8th Avenue Yuma, CO 80759 Full Service B&M $216,438
Bank of Colorado 421 North Tejon Street Colorado Springs, CO 80903 Full Service B&M $96,662
Bank of Colorado 4328 Edison Avenue Colorado Springs, CO 80915 Full Service B&M $32,120
Bank of Colorado 916 South Main Street, Suite 100 Longmont, CO 80501 Full Service B&M $46,731
Bank of Colorado 945 S. Grand Mesa Drive Cedaredge, CO 81413 Full Service B&M $72,834
Bank of Colorado 100 Garfield St, Suite 100 Denver, CO 80206 Full Service B&M $29,520
Bank of Colorado 1041 Main St Windsor, CO 80550 Full Service B&M $295,328
Bank of Colorado 107 East Aztec Avenue Gallup, NM 87301 Full Service B&M $361,315
Bank of Colorado 107 N. College Avenue Fort Collins, CO 80524 Full Service B&M $0
Bank of Colorado 1102 E Lincoln Ave Fort Collins, CO 80524 Full Service B&M $114,648
Bank of Colorado 111 S. Rollie Avenue Fort Lupton, CO 80621 Full Service B&M $291,804
Bank of Colorado 1146 Interquest Parkway Colorado Springs, CO 80921 Full Service B&M $26,376
Bank of Colorado 1199 Main Avenue Durango, CO 81301 Full Service B&M $439,089
Bank of Colorado 4848 Thompson Parkway Johnstown, CO 80534 Full Service B&M $181,417
Bank of Colorado 500 U.S. Highway 50, Business Loop Olathe, CO 81425 Full Service B&M $29,880
Bank of Colorado 5201 South Yosemite Street Suite 100 Greenwood Village, CO 80111 Full Service B&M $109,008
Bank of Colorado 529 Main Street, Suite 101 Fort Morgan, CO 80701 Full Service B&M $146,479
Bank of Colorado 533 Big Thompson Avenue Estes Park, CO 80517 Full Service B&M $161,074
Bank of Colorado 55 S Elm Ave Eaton, CO 80615 Full Service B&M $280,493
Bank of Colorado 6 Town Plaza Durango, CO 81301 Full Service Retail $12,849
Bank of Colorado 605 4th St Fort Lupton, CO 80621 Limited, Drive-thru $0
Bank of Colorado 655 East Valley Road Basalt, CO 81621 Full Service B&M $52,540
Bank of Colorado 7017 West 10th Street Greeley, CO 80634 Full Service B&M $59,215
Bank of Colorado 901 E 120th Ave, Suite F Thornton, CO 80233 Full Service B&M $7,597
Bank of Colorado 901 Grand Avenue Glenwood Springs, CO 81601 Full Service B&M $186,577
Bank of Colorado 902 E. 2nd Avenue Durango, CO 81301 Limited, Drive-thru $0
Bank of Colorado 131 West Main Sterling, CO 80751 Full Service B&M $266,811
Bank of Colorado 133 N Interocean Ave Holyoke, CO 80734 Full Service B&M $52,028
Bank of Colorado 1443 Mesa View Drive Delta, CO 81416 Full Service B&M $75,925
Bank of Colorado 1601 19th St, Suite 130 Denver, CO 80202 Full Service B&M $0
Bank of Colorado 1601 19th Street, Suite 130 Denver, CO 80202 Full Service B&M $82,997
Bank of Colorado 1609 East Harmony Road Fort Collins, CO 80525 Full Service Cyber Office $14,003
Bank of Colorado 1609 East Harmony Road Fort Collins, CO 80525 Full Service B&M $213,416
Bank of Colorado 1650 West Maloney Avenue Gallup, NM 87301 Full Service Retail $3,805
Bank of Colorado 16550 S. Townsend Montrose, CO 81401 Full Service B&M $57,311
Bank of Colorado 1804 East Aztec Avenue Gallup, NM 87301 Full Service B&M $18,935
Bank of Colorado 1888 West Eisenhower Boulevard Loveland, CO 80537 Full Service B&M $84,820
Bank of Colorado 200 Grand Avenue Grand Junction, CO 81501 Full Service B&M $257,630
Bank of Colorado 200 North Townsend Avenue Montrose, CO 81401 Full Service B&M $118,965

For 2021, Bank Of Colorado had 52 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $191,786
Net interest income $183,943
Total noninterest income $38,501
Gross Fiduciary activities income $0
Service charges on deposit accounts $6,694
Trading account gains and fees $0
Additional Noninterest Income $31,807
Pre-tax net operating income $104,796
Securities gains (or losses, -) $5
Income before extraordinary items $79,974
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $79,974
Minority interest net income $0
Net income $79,974
Sale, conversion, retirement of capital stock, net $0
Net operating income $79,970

Bank Of Colorado's gross interest income from loans was $191,786,000.
Bank Of Colorado's net interest income from loans was $183,943,000.
Bank Of Colorado's fee based income from loans was $6,694,000.
Bank Of Colorado's net income from loans was $79,974,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $7,843
Provision for credit losses $1,950
Total noninterest expense $115,698
Salaries and employee benefits $70,256
Premises and equipment expense $12,873
Additional noninterest expense $32,569
Applicable income taxes $24,827
Net charge-offs $133
Cash dividends $0

Bank Of Colorado's interest expense for loans was $7,843,000.
Bank Of Colorado's payroll and benefits expense were $70,256,000.
Bank Of Colorado's property, plant and equipment expenses $12,873,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 1.8%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $5,772,275
Deposits held in domestic offices $5,772,275
Deposits by Individuals, partnerships, and corporations $5,222,209
Deposits by U.S. Government $1
Deposits by States and political subdivisions in the U.S. $549,119
Deposits by Commercial banks and other depository institutions in U.S. $946
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $953,006
Demand deposits $652,727
Nontransaction accounts $4,819,269
Money market deposit accounts (MMDAs) $3,318,445
Other savings deposits (excluding MMDAs) $1,025,730
Total time deposits $475,094
Total time and savings deposits $5,119,548
Noninterest-bearing deposits $608,720
Interest-bearing deposits $5,163,555
Retail deposits $5,614,004
IRAs and Keogh plan accounts $62,420
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $6,574,472
Cash & Balances due from depository institutions $343,315
Interest-bearing balances $288,962
Total securities $2,512,446
Federal funds sold & reverse repurchase $0
Net loans and leases $3,557,440
Loan and leases loss allowance $45,766
Trading account assets $0
Bank premises and fixed assets $84,057
Other real estate owned $0
Goodwill and other intangibles $37,605
All other assets $39,609

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $6,574,472
Total Liabilities $6,008,543
Total deposits $5,772,275
Interest-bearing deposits $5,163,555
Deposits held in domestic offices $5,772,275
% insured (estimated) $59
Federal funds purchased and repurchase agreements $173,535
Trading liabilities $0
Other borrowed funds $33,421
Subordinated debt $0
All other liabilities $29,312

Issued Loan Types

Type Value (in 000's)
Net loans and leases $3,557,440
Loan and leases loss allowance $45,766
Total loans and leases (domestic) $3,603,206
All real estate loans $3,179,064
Real estate loans in domestic offices $3,179,064
Construction and development loans $391,572
Residential 1-4 family construction $179,974
Other construction, all land development and other land $211,598
Loans secured by nonfarm nonresidential properties $1,565,935
Nonfarm nonresidential secured by owner-occupied properties $457,834
Commercial real estate & other non-farm, non-residential $1,108,101
Multifamily residential real estate $169,970
1-4 family residential loans $799,817
Farmland loans $251,770
Loans held in foreign offices $0
Farm loans $144,304
Commercial and industrial loans $197,106
To non-U.S. addressees $0
Loans to individuals $36,208
Credit card loans $2,014
Related Plans $973
Consumer Auto Loans $16,072
Other loans to individuals $17,149
All other loans & leases $59,734
Loans to foreign governments and official institutions $0
Other loans $5,070
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $264
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $335
Non 1-4 family restructured loans & leases $110
Total loans and leases (foreign) $0

Bank of Colorado had $3,557,440,000 of loans outstanding in 2021. $3,179,064,000 of loans were in real estate loans. $391,572,000 of loans were in development loans. $169,970,000 of loans were in multifamily mortgage loans. $799,817,000 of loans were in 1-4 family mortgage loans. $144,304,000 of loans were in farm loans. $2,014,000 of loans were in credit card loans. $16,072,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 1,318 $394,145 $299,048
Nonfarm, nonresidential loans - <$100k 146 $6,201 $42,473
Nonfarm, nonresidential loans - $100-250k 418 $52,646 $125,947
Nonfarm, nonresidential loans - $250k-1MM 754 $335,298 $444,692
Commercial & Industrial, US addressed loans - <$1MM 2,008 $109,315 $54,440
Commercial & Industrial, US addressed loans - <$100k 1,436 $22,491 $15,662
Commercial & Industrial, US addressed loans - $100-250k 298 $24,568 $82,443
Commercial & Industrial, US addressed loans - $250k-1MM 274 $62,256 $227,212
Farmland loans - <$1MM 392 $59,701 $152,298
Farmland loans - <$100k 96 $4,315 $44,948
Farmland loans - $100-250k 177 $21,397 $120,887
Farmland loans - $250k-1MM 119 $33,989 $285,622
Agriculture operations loans - <$1MM 698 $43,143 $61,809
Agriculture operations loans - <$100k 416 $8,820 $21,202
Agriculture operations loans - $100-250k 166 $13,762 $82,904
Agriculture operations loans - $250k-1MM 116 $20,561 $177,250