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Below is a common size income statement for Bank of Colorado (headquartered in Fort Collins) (listed as Bank) for its Uniform Bank Performance Statement with

Below is a common size income statement for Bank of Colorado (headquartered in Fort Collins) (listed as Bank) for its Uniform Bank Performance Statement with each itemas a % of Total Average Assets for the Bank and for its Peers (i.e., the average for other similar size banks) for 2018 and 2019.

20192018

All items as % of Total AssetsBankPeersBankPeers

Interest Income (IR%)3.944.213.844.07

Interest Expense(IE%)0.690.870.430.64

Net Interest Income (NIM%)3.253.343.413.43

Non-interest Revenues (NIR%)0.950.850.740.92

Non-Interest Expense (NIE%)2.302.472.342.50

Burden %1.351.621.601.58

Provision for Loan Losses (PLL%)0.010.110.060.12

Pretax Oper. Income (OROA%)1.891.611.751.73

Equity to Assets% (Tier 1 cap. Ratio)9.1210.468.9310.44

Equity Mulitplier (EM) (Assets/Equity)

=(1/ (Tier 1 Capital Ratio as a fraction)10.979.5611.209.58

Operating ROE %(OROA x EM20.715.3919.6016.38

NIM Analysis for Bank:why Bank' s NIM fell

in 2019, including a discussion of the trends in its IR%, and IE%, and the likely type of funding gap that Bank has. The Peers Bank also had a fall in the NIM with a rise in rates, what type of funding gap does this suggest for the Peers.

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