Alpine Banks Colorado · OTC:ALPIB
Alpine Banks Colorado — Alpine Banks of Colorado — Investor Presentation (December 2020)
14 slides from Alpine Banks Colorado's investor presentation, December 2020
Slide 1: For Year Ended December 31, 2020
For Year Ended December 31, 2020
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,” “exp
Slide 3: 2020 Positive Trends
2020 Positive Trends • Net Income of over $51.1 million • ROA of 1.13% • ROE of 14.32% • Efficiency Ratio of 64.39% • Total accounts grew by 9,604 • Increased loans by $570 million – $200 mil. of PPP at Yearend ($350 mil. originated in 2020) • Increased total deposits by $1.2 billion Source: Interna
Slide 4: 2020 Earnings
2020 Earnings YTD Bank 54,598,679.35 Holding Company (3,458,928.25) Consolidated 51,139,751.10 Source: Internal company reports as of 12/31/20
Slide 5: Net Income 5 Year Growth and Cumulative Earnings
Net Income 5 Year Growth $70,000 $250,000 $60,000 $200,000 $50,000 5 Year Cumulative Earnings YTD Earnings (000) $150,000 $40,000 YTD Earnings $30,000 5 yr. Earnings Trend $100,000 $20,000 $50,000 $10,000 $0 $0 2016 2017 2018 2019 2020 ($000) Source: Internal Company Reports Information as of Decemb
Slide 6: Capital Ratio Analysis
Capital Ratio Analysis Capital Policy ALPINE BANKS OF COLORADO December 31, 2020 Well Capitalized Requiring Actual Requirement Action Common Equity Tier 1 Capital 357,970 Tier 1 Capital 425,070 Total Capital (Tier 2) 512,431 Total Risk-Weighted Assets 3,349,559 Average Total Assets 5,073,898 Common
Slide 7: 10 Year Growth Rates
10 Year Growth Rates $6,000,000 $5,000,000 Assets $4,000,000 Deposits $3,000,000 Loans $2,000,000 $1,000,000 $0 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 Source: Internal Company Reports ($000) Information as of December 31 for the year indicated
Slide 8: Deposit Accounts
Deposit Accounts Total # of Deposit Accounts 180,000 160,000 140,000 120,000 100,000 80,000 60,000 40,000 20,000 - 2012 2013 2014 2015 2016 2017 2018 2019 2020 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, 2020 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 147 36,000,437 20.90% 2 JPMorgan Chase Bank, N.A. OH 117 19,889,206 11.54% 3 FirstBank CO 96 19,085,050 11.08% 4 U.S. Bank N.A. OH 136 18,568,094 10.78% 5 KeyBank
Slide 11: Alpine Bank on the Front Range
Alpine Bank on the Front Range • Union Station, Cherry Creek, DTC, and Boulder continue to grow: – Loans over $609 million – Deposits over $320 million • Ft. Collins branch expected to break ground in 2021, but already off to a good start. – Loans nearing $25 million Source: Internal company reports
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: Celebrating Our History & Planning Our Future
—e—esEUVUVDswWwrOE LLL: —& Alpine Bank | CELEBRATING OURHISTORY & PLANNING OUR FUTURE CELEBRATING 50 YEARS OF COMMUNITY SUPPORT! ALPINE BANK’S 50TH ANNIVERSARY COMMUNITY CHALLENGE With every transaction on your Alpine Bank Visa® Loyalty Debit Card, we donate 10 cents to localized Our Loyalty Debit C
Slide 14: Thanks for 45+ years of support
Thanks for 45+ years of support, we look forward to the future! - Bob Young & The Alpine Bank Team
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