# UMB BANK COLORADO NA
DENVER, CO · FDIC certificate 19298 · asset band $1-10B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.62B | |
| Deposits | $1.10B | |
| Loans and leases | $732.2M | |
| Total equity | $177.4M | |
| Loans / deposits | 65.93% (p25 of band) | 78.16% |
| Liquid assets / assets | 49.35% (p88 of band) | |
| Uninsured deposits / deposits | 19.97% (p58 of band) | 17.84% |
| Brokered deposits | 0.41% | |
| Wholesale funding | 20.63% (p86 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.27% (p9 of band) | 9.63% |
| Unrealized securities loss / equity | 11.28% (p87 of band) | 4.44% |
| AOCI / equity | 1.83% (p80 of band) | |
| ROA (annualized) | 0.77% (p37 of band) | 0.92% |
| Net interest margin | 2.69% (p12 of band) | 3.65% |
| Efficiency ratio | 63.97% (p48 of band) | |
| Noncurrent loans | 0.17% (p5 of band) | 1.75% |
| Net charge-offs (annualized) | 0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 498.72% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 4.14% (p13 of band) | |
| Auto loans | $833,000 (0.11% of loans; DQ 0.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p39 of band) | |
| Deposits YoY | -9.9% | |
| Employees | 208 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, leverage <7% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 0 |  | leverage <7% |
| 2012-03 | 2 | wholesale funding >15%, leverage <7% |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 3 | deposits shrinking, uninsured deposits leaving | leverage <7%, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19298 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "19298", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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