Below is a common size income statement for Bank of

                                                                            2019                      2018

All items as % of Total Assets            Bank   Peers     Bank      Peers  

Interest Income (IR%)                            3.94       4.21       3.84       4.07

 Interest Expense(IE%)                           0.69       0.87       0.43       0.64

   Net Interest Income (NIM%)          3.25       3.34       3.41        3.43

 Non-interest Revenues (NIR%)             0.95      0.85       0.74        0.92

 Non-Interest Expense (NIE%)               2.30      2.47       2.34        2.50

        Burden %                                       1.35       1.62       1.60        1.58

 Provision for Loan Losses (PLL%)     0.01       0.11        0.06       0.12

 Pretax Oper. Income (OROA%)       1.89       1.61       1.75        1.73 

Equity to Assets% (Tier 1 cap. Ratio)  9.12      10.46      8.93      10.44

Equity Mulitplier (EM) (Assets/Equity) =(1/ (Tier 1 Capital Ratio as a fraction)  10.97    9.56       11.20      9.58

Operating ROE % (OROA x EM       20.7    15.39     19.60       16.38                   

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?