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

a.Burden Analysis for Bank of Colorado: why Bank of Colorado's

Burden% fell in 2019 including a discussion of the trends in its NIR% and NIE%.

b.Peer Comparison Analysis: why Bank of Colorado's ROE was higher

than the Peers in 2019 including a discussion of differences in Bank of Colorado's IR%, IE%, NIR%, NIE%, PLL%, and EM.What strengths & weaknesses does this comparison reveal for Bank of Colorado versus the Peers?

Dupont Analysis for why Colorado Bank had a higher OROE than

the Peers in 2019? (based on trends in NPM, AU, and EM; i.e., OROE = NPM x AU x EM).