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Trust Department


We take the term TRUST very seriously at Colorado East Bank & Trust. Trained, professional managers protect and enhance your assets and deliver your property to the beneficiaries you choose. A full range of trust services-to put your mind at ease.
The Trust Department offers stability, dependability, and personalized, professional service. We value our client relationships, and we are committed to helping you and your family define and address your financial objectives. We offer a wide array of services in addition to those listed here. Please contact one of our representatives for more information.

Trust Administration
  • Personal Trusts
  • Intervivos
  • Revocable
  • Testamentary
  • Irrevocable
  • Charitable Trusts
  • Irrevocable Life Insurance Trusts
  • Corporate Trusts
  • Trustee
  • Bond Payee
  • Estate management & Distribution
  • Custodianship or Conservatorship
  • Power of Attorney
  • Self-Directed IRA's
Living & Testimony 
Personal Trusts
Power of Attorney with
Full Management Services
  • What are living trusts?
  • Who can living trusts help most?
  • What are living trust advantages?
  • How do I start a living trust?
  • What is the cost?
  • Will my estate be settled efficiently?
  • Who will manage my estate?
  • How much time is involved?


 We are here to help. Colorado East Professionals are trained and experienced in estate planning, and can design an estate plan that will minimize estate taxes while ensuring distribution of your assets in the manner you specify. To review your situation and develop a plan that preserves your assets for your heirs, contact us.


Please contact:
Kammie Cathcart
Phone 719-537-6800
Christie Weeder
Phone 719-537-6800
Jane Wheeler
Phone 719-384-2000

Christie Weeder and Kammie Cathcart


The Trust Department of Colorado East Bank & Trust, formerly known as First Bank & Trust of Holly, Colorado, was granted full Trust Powers by the Commissioner of Banking, State of Colorado in August 1964. Initially the department was formed as a service to people in the Holly Community. With the purchase of First Bank & Trust by investors of Colorado East Bank & Trust, the new Board of Directors elected to expand the Trust Department as a viable part of the Bank and service the eastern Colorado area. Our department is unique in the fact that we not only manage a diversity of assets, but we also manage agricultural real estate. Kammie D. Cathcart, Branch President and Trust Officer, is a Certified Trust and Financial Advisor (CTFA) with banking and trust administration experience with our institution going back to 1981. Vice President, Christie Weeder assists Kammie, is head of the trust operations and is very well versed in the IRA Department. Christie has attended the ABA trust fundamentals program and in addition has many years of banking experience with our institution. Jane Wheeler, is a Certified Trust and Financial Advisor (CTFA), aids in the trust operations and IRA departments as well as works with our Financial Strategies Group. Together with this staff, our Trust Committee has as Committee Members a lawyer and several senior bankers well versed in business, investments, farm and ranch management. Our Trust Department is built on integrity to carry out our client's wishes professionally and with personal concern.

Trust Administrative Services Include:
  • To meet the needs of beneficiaries committed to the grantor's intent expressed in the trust instrument.
  • To act within the constraints of trust law.
  • On-site professional staff.
  • Disbursement of funds as requested.
  • Record keeping and accounting.
  • Periodic statements of assets and transactions.
  • Preparation and filing of standard fiduciary income tax returns, including year-end tax  information for beneficiaries.
  • Periodic customer meetings to discuss activities.
  • Farm and Ag Management, USDA & ASC requirements included.
  • Real Estate Management.
  • Life Insurance Contract Administration.
  • Monitor medical insurance and bills. 
Investment Management & Custody Services Include:
  • To appropriately manage risk.
  • Establish investment objectives.
  • Determine Asset Allocation.
  • Selection of assets to meet investment objectives.
  • Periodic rebalancing to investment objectives.
  • Safekeeping and custody of assets.
  • Prompt collection of interest, dividend and other income with automatic investment of cash balances.
  • Sweep uninvested cash into short-term investments.
Estate Planning:
  • Provide post-mortem estate planning services as trustee.
  • Administration of estates.
  • Consulting with outside investments CPAs, advisors and attorneys.
  • Rendering extraordinary services in conjunction with the acceptance of a successor trusteeship.
  • Rendering assistance or assuming responsibility with respect to an individual's personal or health needs, including hospitalization or nursing home care.
  • Offer irrevocable burial escrow accounts.
Why Is Estate Planning Necessary?:
Building Wealth, Managing Wealth, and Preserving Wealth...Estate taxes range from 37% to 55% and the federal government will take a significant portion of your estate assets from your heirs if you have not done the proper planning.
An Estate Plan is a systematic process of planning for the accumulation, conservation, and distribution of an estate using the most efficient and effective methods for accomplishing the wishes of the owner. Tax considerations are usually a significant part of the effort. At the death of the owner, the estate plan functions to distribute the estate with minimum administration costs and taxes according to the wishes of the owner. Minimizing the cost of distributing an estate can only be accomplished by anticipating expenses and planning ways to avoid them before death occurs. Estate Planning may include some of all of the following:
Trust - To protect your assets from death taxes and probate.
A Will - To insure your assets are distributed properly and your will is carried through.
Life Insurance - To supplement lost income and help pay off debts left behind.
Investment Planning - To build wealth and maximize your assets.
Long Term Care Insurance - To shelter your assets from being eroded by the costs of Nursing Home Care, Home Health Care or Assisted Living.



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