Bank Of Colorado Mortgage Rates, Fees & Info

Fort Collins, CO

LEI: 549300R0DP2GXAIMGB41

Tax ID: 84-0205240

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bank Of Colorado is a smaller bank specializing in Home Purchase 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 by origination volume include: Greeley, Fort Collins, Durango, Denver, and Fort Morgan among others. We have data for 43 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bank Of Colorado has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bank Of Colorado is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/16/24
    30 Year Conventional Purchase 6.59% 12/16/24
    30 Year Conventional Refi 6.58% 12/16/24
    30 Year Cash-out Refi 6.40% 12/16/24
    30 Year FHA Purchase 7.43% 12/16/24
    30 Year FHA Refi 7.16% 12/16/24
    30 Year VA Purchase 6.01% 12/16/24
    30 Year VA Refi 6.27% 12/16/24
    30 Year USDA Purchase 6.72% 12/16/24
    15 Year Conventional Purchase 6.11% 12/16/24
    15 Year Conventional Refi 6.28% 12/16/24
    15 Year Cash-out Refi 6.28% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Bank Of Colorado Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Bank Of Colorado. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,627

    Origination Dollar Volume (All Markets)

    $471,835,000

    Employee count

    620 Show all (6) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    GREELEY, CO (FHA|USDA|VA) 227 $92,405,000 $407,070 $4,138 4.86%
    FORT COLLINS, CO (FHA|USDA|VA) 255 $88,435,000 $346,804 $4,663 4.79%
    Durango, CO (FHA|USDA|VA) 167 $55,945,000 $335,000 $3,917 4.85%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 112 $52,590,000 $469,554 $5,296 4.93%
    Outside of Metro Areas 204 $41,950,000 $205,637 $3,921 4.99%
    Fort Morgan, CO (FHA|USDA|VA) 139 $26,755,000 $192,482 $4,863 5.00%
    GRAND JUNCTION, CO (FHA|USDA|VA) 83 $21,045,000 $253,554 $4,178 5.07%
    Glenwood Springs, CO (FHA|USDA|VA) 45 $17,345,000 $385,444 $4,752 4.85%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 80 $15,510,000 $193,875 $4,952 4.61%
    Sterling, CO (FHA|USDA|VA) 96 $14,860,000 $154,792 $3,151 5.04%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 40 $9,760,000 $244,000 $4,480 4.93%
    Montrose, CO (FHA|USDA|VA) 35 $5,985,000 $171,000 $2,832 4.98%
    BOULDER, CO (FHA|USDA|VA) 15 $5,425,000 $361,667 $4,044 5.02%
    Gallup, NM (FHA|USDA|VA) 49 $5,375,000 $109,694 $2,697 5.38%
    Edwards, CO (FHA|USDA|VA) 10 $4,950,000 $495,000 $4,682 4.65%
    Craig, CO (FHA|USDA|VA) 22 $2,930,000 $133,182 $2,952 5.26%
    PUEBLO, CO (FHA|USDA|VA) 4 $1,270,000 $317,500 $5,117 5.06%
    ALBUQUERQUE, NM (FHA|USDA|VA) 3 $1,205,000 $401,667 $5,762 4.95%
    Gillette, WY (FHA|USDA|VA) 5 $975,000 $195,000 $4,145 5.00%
    Breckenridge, CO (FHA|USDA|VA) 2 $860,000 $430,000 $0 5.06%
    Steamboat Springs, CO (FHA|USDA|VA) 2 $840,000 $420,000 $6,507 5.31%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $610,000 $152,500 $4,116 4.75%
    CHEYENNE, WY (FHA|USDA|VA) 2 $410,000 $205,000 $10,866 5.25%
    Granbury, TX (FHA|USDA|VA) 3 $405,000 $135,000 $4,149 4.75%
    FARMINGTON, NM (FHA|USDA|VA) 3 $395,000 $131,667 $3,982 5.54%
    Ruidoso, NM (FHA|USDA|VA) 1 $345,000 $345,000 $7,355 5.25%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $305,000 $305,000 $3,682 4.90%
    Jackson, WY-ID (FHA|USDA|VA) 1 $295,000 $295,000 $3,761 4.13%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $290,000 $145,000 $6,253 4.94%
    Kalispell, MT (FHA|USDA|VA) 1 $255,000 $255,000 $2,728 4.88%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,033 5.25%
    Hobbs, NM (FHA|USDA|VA) 1 $245,000 $245,000 $9,642 3.75%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.50%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $195,000 $195,000 $4,759 4.50%
    SANTA FE, NM (FHA|USDA|VA) 1 $185,000 $185,000 $4,496 6.50%
    Mineral Wells, TX (FHA|USDA|VA) 2 $170,000 $85,000 $4,292 4.75%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.00%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $145,000 $145,000 $2,699 4.50%
    Nogales, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $4,301 4.25%
    LUBBOCK, TX (FHA|USDA|VA) 1 $105,000 $105,000 $4,612 5.00%
    Grants, NM (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.88%
    North Platte, NE (FHA|USDA|VA) 1 $95,000 $95,000 $1,038 4.63%
    Stillwater, OK (FHA|USDA|VA) 1 $95,000 $95,000 $3,067 5.00%
    Bank Of Colorado's top markets include Greeley, Fort Collins, Durango, Denver, and Fort Morgan among others.

    Their top states include:
  • Colorado (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • Wyoming (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Bank of Colorado based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    COLORAMO
    Similarity Rank: 30
    Grand Valley Bank
    Similarity Rank: 80
    NEIGHBORHOOD
    Similarity Rank: 200
    Pioneer Bank
    Similarity Rank: 294
    TEXANS
    Similarity Rank: 416
    DENVER COMMUNITY
    Similarity Rank: 548
    Third Federal Savings and Loan Association of Cleveland
    Similarity Rank: 614
    GERSHMAN INVESTMENT CORP.
    Similarity Rank: 666
    AMERICAN HERITAGE CAPITAL, L.P.
    Similarity Rank: 780
    IAPPROVE LENDING
    Similarity Rank: 816

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,460 $433,600,000 $296,986 $3,835 4.94%
    FHA 101 $20,605,000 $204,010 $7,397 4.83%
    VA 47 $14,385,000 $306,064 $7,453 4.58%
    USDA 19 $3,245,000 $170,789 $5,054 4.70%

    For 2018, Bank Of Colorado's most frequently originated type of loan was Conventional, with 1,460 originations. Their 2nd most popular type was FHA, with 101 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,122 $362,290,000 $322,897 $4,756 4.88%
    Refi 225 $57,115,000 $253,844 $2,779 4.96%
    Cash Out Refi 164 $41,610,000 $253,720 $4,392 4.81%
    Other 65 $7,365,000 $113,308 $1,930 5.23%
    Home Improvement 51 $3,455,000 $67,745 $1,292 5.63%

    For 2018, Bank Of Colorado's most frequently cited loan purpose was Home Purchase, with 1,122 originations. The 2nd most popular reason was Refi, with 225 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,071 $299,195,000 $279,360 $4,523 4.82%
    15 Year 185 $30,445,000 $164,568 $2,659 4.94%
    10 Year 110 $64,340,000 $584,909 $921 5.34%
    30+ year 83 $43,695,000 $526,446 $6,777 4.86%
    20 Year 47 $9,375,000 $199,468 $3,070 4.98%
    5 Year 44 $3,400,000 $77,273 $1,119 5.56%
    1 Year 40 $10,720,000 $268,000 $3,729 5.41%
    Other 40 $8,700,000 $217,500 $1,512 5.39%
    3 Year 7 $1,965,000 $280,714 $283 4.81%

    For 2018, Bank Of Colorado's most frequently cited loan duration was 30 Year, with 1,071 originations. The 2nd most popular length was 15 Year, with 185 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 678 $162,380,000 $239,499
    $<1k 213 $35,505,000 $166,690
    $2k-3k 190 $50,260,000 $264,526
    $3k-4k 143 $45,465,000 $317,937
    $5k+ 68 $48,930,000 $719,559
    $4k-5k 59 $25,415,000 $430,763

    Bank Of Colorado's average total fees were $4,523, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 678 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,004 $335,990,000 $334,651
    5-6% 519 $116,055,000 $223,613
    3-4% 54 $15,830,000 $293,148
    6-7% 39 $3,295,000 $84,487
    7-8% 8 $310,000 $38,750
    <2.5% 2 $340,000 $170,000
    Over 8% 1 $15,000 $15,000

    During 2018, Bank Of Colorado's average interest rate for loans was 4.82%, while their most frequently originated rate bucket for loans was 4-5%, with 1,004 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 635 $180,045,000 $283,535 $4,652 4.83%
    $100k-200k 440 $66,560,000 $151,273 $3,807 4.96%
    $100,000 or less 259 $15,485,000 $59,788 $1,849 5.30%
    $400k-600k 210 $98,410,000 $468,619 $4,909 4.73%
    $600k-1MM 64 $47,520,000 $742,500 $7,170 4.71%
    $1MM+ 19 $63,815,000 $3,358,684 $13,290 4.74%

    2018 saw Bank Of Colorado place emphasis on $200k-400k loans with 635 originations, totaling $180,045,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 299 $61,645,000 $206,171 $4,532 4.91%
    $100k-150k 292 $82,160,000 $281,370 $3,941 4.87%
    $75k-100k 278 $67,240,000 $241,871 $4,063 4.88%
    $50k or less 245 $31,195,000 $127,327 $3,379 5.05%
    $150k-250k 206 $70,430,000 $341,893 $4,643 4.86%
    $250k+ 154 $73,050,000 $474,351 $5,492 4.79%

    Bank Of Colorado lent most frequently to those with incomes in the $50k-75k range, with 299 originations. The second most popular income band? $100k-150k, with 292 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 291 $75,345,000 $258,918 $3,930 4.81%
    30-36% 276 $71,080,000 $257,536 $3,828 4.90%
    <20% 125 $32,935,000 $263,480 $3,666 4.80%
    49% 67 $16,875,000 $251,866 $4,466 4.85%
    38% 55 $18,155,000 $330,091 $4,411 4.88%
    42% 53 $15,815,000 $298,396 $4,634 4.79%
    39% 52 $14,280,000 $274,615 $4,580 4.79%
    37% 52 $12,710,000 $244,423 $4,092 4.79%
    41% 50 $14,000,000 $280,000 $4,290 4.97%
    36% 47 $14,535,000 $309,255 $5,254 4.77%
    44% 47 $12,165,000 $258,830 $4,202 4.91%
    40% 46 $12,100,000 $263,043 $3,928 4.98%
    45% 45 $10,915,000 $242,556 $4,341 4.90%
    50-60% 43 $12,965,000 $301,512 $7,077 4.90%
    46% 38 $8,860,000 $233,158 $4,607 4.88%
    48% 38 $9,210,000 $242,368 $3,893 4.89%
    43% 37 $9,635,000 $260,405 $4,786 4.81%
    47% 32 $8,920,000 $278,750 $5,270 4.91%
    >60% 16 $4,430,000 $276,875 $2,998 5.10%

    Bank Of Colorado lent most frequently to those with DTI ratios of 20-30%, with 291 originations. The next most common DTI ratio? 30-36%, with 276 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,244 $325,450,000 $261,616 $4,226 4.91%
    Not applicable 113 $72,805,000 $644,292 $8,200 5.21%
    Not provided 232 $64,080,000 $276,207 $4,173 4.83%
    Asian 13 $3,355,000 $258,077 $4,078 4.81%
    Black 9 $2,835,000 $315,000 $6,814 4.81%
    American Indian 13 $2,365,000 $181,923 $4,415 4.88%
    Other Asian 1 $455,000 $455,000 $3,808 4.88%
    Native Hawaiian or Islander 1 $325,000 $325,000 $8,207 3.88%
    Chinese 1 $165,000 $165,000 $2,887 4.75%

    Approval Rates

    Total approvals of all applications
    88.33%

    Bank Of Colorado has an average approval rate.

    Pick Rate

    Approvals leading to origination
    72.59%

    Bank Of Colorado has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    114.0 1 $15,000 $15,000
    96.0 1 $5,000 $5,000
    NA 1,625 $471,815,000 $290,348

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $2,160,000 $540,000
    Multifamily:Site-Built 24 $50,150,000 $2,089,583
    Single Family (1-4 Units):Manufactured 61 $6,525,000 $106,967
    Single Family (1-4 Units):Site-Built 1,538 $413,000,000 $268,531

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 134 $27,250,000 $203,358 $2,881 5.02%
    40-60% 251 $64,495,000 $256,952 $3,745 4.84%
    60-80% 605 $220,055,000 $363,727 $4,122 4.92%
    80-100% 518 $141,250,000 $272,683 $5,152 4.84%
    Over 100% 28 $13,170,000 $470,357 $11,229 5.24%
    Under 20% 90 $5,380,000 $59,778 $931 5.41%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    BANK OF HAWAII CORPORATION Other type of mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of Colorado 100 East Platte Avenue Fort Morgan, CO 80701 Full Service B&M $68,929
    Bank of Colorado 1041 West Main Street Windsor, CO 80550 Full Service B&M $133,965
    Bank of Colorado 106 South Interocean Avenue Holyoke, CO 80734 Full Service B&M $39,077
    Bank of Colorado 107 East Aztec Avenue Gallup, NM 87301 Full Service B&M $216,110
    Bank of Colorado 107 N. College Avenue Fort Collins, CO 80524 Full Service B&M $0
    Bank of Colorado 1102 Lincoln Ave Fort Collins, CO 80524 Full Service B&M $64,972
    Bank of Colorado 111 S. Rollie Avenue Fort Lupton, CO 80621 Full Service B&M $221,857
    Bank of Colorado 1146 Interquest Parkway Colorado Springs, CO 80921 Full Service B&M $13,807
    Bank of Colorado 1199 Main Avenue Durango, CO 81301 Full Service B&M $242,280
    Bank of Colorado 1200 Railroad Avenue Rifle, CO 81650 Full Service B&M $19,131
    Bank of Colorado 131 West Main Sterling, CO 80751 Full Service B&M $179,820
    Bank of Colorado 1443 Mesa View Drive Delta, CO 81416 Full Service B&M $50,558
    Bank of Colorado 1609 East Harmony Road Fort Collins, CO 80525 Full Service Cyber Office $6,621
    Bank of Colorado 1609 East Harmony Road Fort Collins, CO 80525 Full Service B&M $126,138
    Bank of Colorado 1650 West Maloney Avenue Gallup, NM 87301 Full Service Retail $1,866
    Bank of Colorado 16550 S. Townsend Montrose, CO 81401 Full Service B&M $39,510
    Bank of Colorado 1801 Broadway, Suite 100 Denver, CO 80202 Full Service B&M $38,803
    Bank of Colorado 1804 East Aztec Avenue Gallup, NM 87301 Full Service B&M $15,175
    Bank of Colorado 1888 West Eisenhower Boulevard Loveland, CO 80537 Full Service B&M $36,590
    Bank of Colorado 200 Grand Avenue Grand Junction, CO 81501 Full Service B&M $148,447
    Bank of Colorado 200 North Townsend Avenue Montrose, CO 81401 Full Service B&M $78,047
    Bank of Colorado 205 Country Center Drive Pagosa Springs, CO 81147 Full Service B&M $45,623
    Bank of Colorado 250 West Victory Way Craig, CO 81625 Full Service B&M $48,068
    Bank of Colorado 2903 F Road Grand Junction, CO 81504 Full Service B&M $27,594
    Bank of Colorado 300 Union Blvd Suite 100 Lakewood, CO 80228 Full Service B&M $44,120
    Bank of Colorado 301 Clayton Street Brush, CO 80723 Full Service B&M $99,861
    Bank of Colorado 315 South Main Street Yuma, CO 80759 Full Service B&M $143,237
    Bank of Colorado 3459 West 20th Street, Suite 114 Greeley, CO 80634 Full Service B&M $139,048
    Bank of Colorado 351 West 1st Street Akron, CO 80720 Full Service B&M $46,346
    Bank of Colorado 394 East Bridge Street Hotchkiss, CO 81419 Full Service B&M $20,634
    Bank of Colorado 421 North Tejon Street Colorado Springs, CO 80903 Full Service B&M $46,881
    Bank of Colorado 4328 Edison Avenue Colorado Springs, CO 80915 Full Service B&M $25,796
    Bank of Colorado 435 South 4th Avenue, Unit A Brighton, CO 80601 Full Service B&M $2,001
    Bank of Colorado 4848 Thompson Parkway Johnstown, CO 80534 Full Service B&M $71,069
    Bank of Colorado 500 U.S. Highway 50, Business Loop Olathe, CO 81425 Full Service B&M $26,454
    Bank of Colorado 5201 South Yosemite Street Suite 100 Greenwood Village, CO 80111 Full Service B&M $89,317
    Bank of Colorado 533 Big Thompson Avenue Estes Park, CO 80517 Full Service B&M $99,046
    Bank of Colorado 59 South Elm Avenue Eaton, CO 80615 Full Service B&M $161,540
    Bank of Colorado 6 Town Plaza Durango, CO 81301 Full Service Retail $8,696
    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 $32,444
    Bank of Colorado 7017 West 10th Street Greeley, CO 80634 Full Service B&M $24,865
    Bank of Colorado 901 Grand Avenue Glenwood Springs, CO 81601 Full Service B&M $124,200
    Bank of Colorado 902 E. 2nd Avenue Durango, CO 81301 Limited, Drive-thru $0
    Bank of Colorado 916 South Main Street, Suite 100 Longmont, CO 80501 Full Service B&M $25,612
    Bank of Colorado 945 S. Grand Mesa Drive Cedaredge, CO 81413 Full Service B&M $46,420

    For 2018, Bank Of Colorado had 46 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $143,125
    Net interest income $126,886
    Total noninterest income $27,722
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $7,167
    Trading account gains and fees $0
    Additional Noninterest Income $20,555
    Pre-tax net operating income $64,502
    Securities gains (or losses, -) $135
    Income before extraordinary items $63,578
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $63,578
    Minority interest net income $0
    Net income $63,578
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $63,445

    Bank Of Colorado's gross interest income from loans was $143,125,000.
    Bank Of Colorado's net interest income from loans was $126,886,000.
    Bank Of Colorado's fee based income from loans was $7,167,000.
    Bank Of Colorado's net income from loans was $63,578,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $16,239
    Provision for credit losses $2,297
    Total noninterest expense $87,809
    Salaries and employee benefits $49,518
    Premises and equipment expense $9,997
    Additional noninterest expense $28,294
    Applicable income taxes $1,059
    Net charge-offs $714
    Cash dividends $26,000

    Bank Of Colorado's interest expense for loans was $16,239,000.
    Bank Of Colorado's payroll and benefits expense were $49,518,000.
    Bank Of Colorado's property, plant and equipment expenses $9,997,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    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 0.0%
    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 $3,452,198
    Deposits held in domestic offices $3,452,198
    Deposits by Individuals, partnerships, and corporations $3,069,786
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $381,834
    Deposits by Commercial banks and other depository institutions in U.S. $578
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $519,893
    Demand deposits $292,476
    Nontransaction accounts $2,932,305
    Money market deposit accounts (MMDAs) $1,865,814
    Other savings deposits (excluding MMDAs) $564,570
    Total time deposits $501,921
    Total time and savings deposits $3,159,722
    Noninterest-bearing deposits $276,614
    Interest-bearing deposits $3,175,584
    Retail deposits $3,285,227
    IRAs and Keogh plan accounts $62,995
    Brokered deposits $13,655
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,026,669
    Cash & Balances due from depository institutions $257,749
    Interest-bearing balances $188,045
    Total securities $1,164,378
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,456,899
    Loan and leases loss allowance $38,830
    Trading account assets $0
    Bank premises and fixed assets $73,323
    Other real estate owned $231
    Goodwill and other intangibles $40,525
    All other assets $33,564

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,026,669
    Total Liabilities $3,653,590
    Total deposits $3,452,198
    Interest-bearing deposits $3,175,584
    Deposits held in domestic offices $3,452,198
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $144,847
    Trading liabilities $0
    Other borrowed funds $34,678
    Subordinated debt $0
    All other liabilities $21,867

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,456,899
    Loan and leases loss allowance $38,830
    Total loans and leases (domestic) $2,495,729
    All real estate loans $2,116,314
    Real estate loans in domestic offices $2,116,314
    Construction and development loans $219,305
    Residential 1-4 family construction $83,910
    Other construction, all land development and other land $135,395
    Loans secured by nonfarm nonresidential properties $1,042,403
    Nonfarm nonresidential secured by owner-occupied properties $328,278
    Commercial real estate & other non-farm, non-residential $714,125
    Multifamily residential real estate $65,111
    1-4 family residential loans $555,899
    Farmland loans $233,596
    Loans held in foreign offices $0
    Farm loans $133,464
    Commercial and industrial loans $188,656
    To non-U.S. addressees $0
    Loans to individuals $35,905
    Credit card loans $1,769
    Related Plans $1,481
    Consumer Auto Loans $16,468
    Other loans to individuals $16,187
    All other loans & leases $27,542
    Loans to foreign governments and official institutions $0
    Other loans $2,037
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $284
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,099
    Non 1-4 family restructured loans & leases $1,061
    Total loans and leases (foreign) $0

    Bank of Colorado had $2,456,899,000 of loans outstanding in 2018. $2,116,314,000 of loans were in real estate loans. $219,305,000 of loans were in development loans. $65,111,000 of loans were in multifamily mortgage loans. $555,899,000 of loans were in 1-4 family mortgage loans. $133,464,000 of loans were in farm loans. $1,769,000 of loans were in credit card loans. $16,468,000 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 1,242 $329,064 $264,947
    Nonfarm, nonresidential loans - <$100k 177 $7,211 $40,740
    Nonfarm, nonresidential loans - $100-250k 436 $55,916 $128,248
    Nonfarm, nonresidential loans - $250k-1MM 629 $265,937 $422,793
    Commercial & Industrial, US addressed loans - <$1MM 1,753 $87,963 $50,179
    Commercial & Industrial, US addressed loans - <$100k 1,262 $17,923 $14,202
    Commercial & Industrial, US addressed loans - $100-250k 256 $20,587 $80,418
    Commercial & Industrial, US addressed loans - $250k-1MM 235 $49,453 $210,438
    Farmland loans - <$1MM 403 $56,392 $139,931
    Farmland loans - <$100k 109 $4,427 $40,615
    Farmland loans - $100-250k 176 $21,178 $120,330
    Farmland loans - $250k-1MM 118 $30,787 $260,907
    Agriculture operations loans - <$1MM 663 $44,227 $66,707
    Agriculture operations loans - <$100k 400 $8,523 $21,308
    Agriculture operations loans - $100-250k 154 $13,488 $87,584
    Agriculture operations loans - $250k-1MM 109 $22,216 $203,817