Vitals
  • Total Assets
    784.1M -26.2 %
  • Total Deposits
    652.1M -16.1 %
  • Total Net Loans
    618.2M -20.8 %
  • Net Income
  • Book Value
    95.0M -60.4 %
  • Book Value x2
    189.9M -60.4 %
  • Book Value x3
    284.9M -60.4 %
ROAA

ROAE

Efficiency Ratio

404.589

Net Interest Margin

4.449

Balance Sheet Highlights
Financial Highlights Centennial Bank Of The West All Insured Commercial Banks in Colorado
Balance Sheet $(000)
Total Assets 784,071 247,912
Total Net Loans 618,150 179,204
Total Deposits 652,093 210,187
Total Equity 94,953 23,116
Profitability
Net Income — 4,108
Return on Average Assets — 1.339
Return on Average Equity — 14.725
Net Interest Margin 4.449 4.456
Efficiency Ratio 404.589 65.88
Noninterest Income/Revenue 9.323 12.382
Balance Sheet Ratios
Loan-to-Deposit 94.795 74.288
Securities/Assets .057 .519
Total Equity/Total Assets .121 .093
Tangible Equity/Tangible Assets .1 .02
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 81,524 20,343
Tier 2 Capital 8,432 2,204
Total Capital 89,956 22,204
Total Risk Weighted Assets 672,232 169,136
Leverage Ratio 9.71 9.331
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.13 13.965
Total Capital Ratio 13.38 14.964

Timeline for Centennial Bank Of The West

Guaranty Bank And Trust Company

Centennial Bank Of The West was acquired by Guaranty Bank And Trust Company 16 years

View Profile Jan 01 2008

First Main Street Bank, National Association

Acquisition: Centennial Bank Of The West acquired a new subsidiary, First Main Street Bank, National Association, 18 years

View Profile Oct 01 2005

Guaranty Bancorp

Guaranty Bancorp became a new parent organization for Centennial Bank Of The West.

View Profile Jul 16 2004

The Berthoud National Bank

Acquisition: Centennial Bank Of The West acquired a new subsidiary, The Berthoud National Bank, 22 years

View Profile Dec 31 2001

Bernac, Inc.

Bernac, Inc. became a new subsidiary organization for Centennial Bank Of The West.

View Profile Dec 31 2001

Want to see more?

Complete timeline for Centennial Bank Of The West is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Guaranty Bank And Trust Company Buyer 3,343,043 Pooling of Interests Discontinued 1/1/2008
First Main Street Bank, National Association Seller 388,682 Acquisition Discontinued 10/1/2005
The Berthoud National Bank Seller 104,635 Pooling of Interests Discontinued 12/31/2001
Relationships Role Relationship Start Relationship End
Guaranty Bancorp Parent 7/16/2004 12/31/2007
Centennial Bank Holdings, Inc. Parent 3/1/1993 7/15/2004
Eaton Capital Corporation Parent 7/20/1981 2/28/1993
Bernac, Inc. Subsidary 12/31/2001 12/31/2004
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