Alpine Banks Colorado · OTC:ALPIB
Alpine Banks Colorado — Alpine Banks of Colorado — Investor Presentation (December 2019)
14 slides from Alpine Banks Colorado's investor presentation, December 2019
Slide 1: For Year Ended December 31, 2019
For Year Ended December 31, 2019
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation contains “forward-looking statements” within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by words such as “anticipates,” “intends,” “plans,” “seeks,” “believes,” “estimates,” “expe
Slide 3: 2019 Positive Trends
2019 Positive Trends • Net Income of over $58 million • ROA of 1.54% • ROE of 18.17% • Efficiency Ratio of 61.63% • Total accounts grew by 11,894! • Increased loans by $247 million • Increased total deposits by $89 million Source: Internal company reports as of 12/31/19
Slide 4: 2019 Earnings
2019 Earnings YTD Bank 60,762,476.74 Holding Company (2,754,513.59) Consolidated 58,007,963.15 Source: Internal company reports as of 12/31/19
Slide 5: Net Income 5 Year Growth
Net Income 5 Year Growth ($000) Source: Internal Company Reports Information as of December 31 for the year indicated
Slide 6: Capital Ratio Analysis
Capital Ratio Analysis Capital Policy ALPINE BANKS OF COLORADO December 31, 2019 September 30, 2019 Well Capitalized Requiring Estimate Actual Requirement Action Common Equity Tier 1 Capital 324,624 313,798 Tier 1 Capital 391,724 380,898 Total Capital (Tier 2) 418,111 408,229 Total Risk-Weighted Ass
Slide 7: 10 Year Growth Rates
10 Year Growth Rates Source: Internal Company Reports ($000) Information as of December 31 for the year indicated
Slide 8: Deposit Accounts
Deposit Accounts Source: Internal Company Reports Information as of December 31 for the year indicated
Slide 9: Deposit Market Share Update
Deposit Market Share Update Data as of June 30, 2019 Source: FDIC.gov
Slide 10: Institutions with Colorado Operations
Institutions with Colorado Operations State Colorado Deposits Market Name (Headquarters) Offices ($000) Share 1 Wells Fargo Bank, N.A. SD 150 31,981,361 22.42% 2 FirstBank CO 99 16,335,203 11.45% 3 U.S. Bank N.A. OH 142 15,192,617 10.65% 4 JPMorgan Chase Bank, N.A. OH 114 14,199,714 9.95% 5 KeyBank
Slide 11: Alpine Bank on the Front Range
Alpine Bank on the Front Range • Union Station, Cherry Creek, and DTC continue to grow: – Loans over $387 million – Deposits over $187 million • Boulder celebrates 1 year anniversary in early 2020: – Loans nearing $85 million! – Deposits nearing $20 million Source: Internal company reports as of Dec
Slide 12: Alpine Bank Constants
—e—esEUVUVDswWwrOE LLL: Alpine Bank Constants WHY WE * Increase Shareholder Value EXIST + Serve Community and Create Opportunities for our Customers and Employees HOW WE + We give a damn + We work collaboratively BEHAVE + We act with integrity + We work entrepreneurially WHAT WE DO + We provide tail
Slide 13: Alpine Bank Progression Plan
Alpine Bank Progression Plan 2022 2020 2019 2018 2012-17 • Alpine Way and • Maintain Credit CARE Quality • Excellence in • Deepen relationship • Loan Process Experience and with existing Transformation 2012 Execution (E3) customers • Loan Re-engineering • Lending with CARE • Talent Management • Dive
Slide 14: Thanks for 45+ years of support, we look forward to the future!
Thanks for 45+ years of support, we look forward to the future! - Bob Young & The Alpine Bank Team
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