5Star Bank in Colorado Springs, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

5Star Bank - Overview

  • General
  • FDIC Certificate #: 91005
    Status: Active
    Federal Reserve ID: 455253
    Bank Holding Company (Regulatory Top Holder): 5star Financial, Llc (RSSDID: 3688089, Location: Alexandria, VA)
    Date Established: June 10, 1980
    WWW: http://www.5starbankus.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 18193
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 05, 1985
    Last Structure Change Effective Date: May 01, 2009
    Last Structure Change Process Date: May 08, 2009
    Last Data Update: May 08, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: Pain And Stewart Streets, Building 1485, Peterson Afb, Colorado Springs, CO 80914
    County: El Paso
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Denver
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Colorado Springs, CO (#1720)
    Core Based Statistical Area (CBSA): Colorado Springs, CO (#17820)
    CBSA Metro Statistical Area: Colorado Springs, CO (#17820)
  • History of Changes
  • Name Change
    Change in Entity Type
  • Financial Summary
  • Total assets: $187.7 mil
    Equity capital: $38.7 mil
    Deposits held in domestic offices: $147.2 mil
    Return on assets (ROA): 0.23% ($0.4 mil)
    Quarterly return on assets: 0.12% ($0.2 mil)
    Return on Equity (ROE): 1.10% ($0.4 mil)
    Quarterly return on equity: 0.59% ($0.2 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.23% ($431.7 mil)
    Quarterly Pretax return on assets: 0.06% ($112.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 31Total employees (full-time equivalent)
  • $187,679Total assets
  • $1,514Cash and due from depository institutions
  • $119Interest-bearing balances
  • $63,365Securities
  • $19,900Federal funds sold & reverse repurchase agreements
  • $91,531Net loans & leases
  • $1,379Loan loss allowance
  • $0Trading account assets
  • $5,258Bank premises and fixed assets
  • $932Other real estate owned
  • $17Goodwill and other intangibles
  • $187,679Life insurance assets
  • $5,162All other assets
  • $149,005Total liabilities and capital
  • $147,240Total liabilities
  • $140,292Total deposits
  • $147,240Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,765Subordinated debt
  • $38,674All other liabilities
  • $38,674Total equity capital
  • $38,674Total bank equity capital
  • $0Perpetual preferred stock
  • $385Common stock
  • $18,766Surplus
  • $19,523Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $544Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $603Long-term assets (5+ years)
  • $174,915Average Assets, year-to-date
  • $20,064Average Assets, quarterly
  • $182,098Volatile liabilities
  • $185,016Insider loans
  • $114,205FHLB advances
  • $185,491Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $37,282Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,381Restructured Loans and leases
  • $49Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,186Total interest income
  • $1,052Total interest expense
  • $6,134Net interest income
  • $323Provision for loan and lease losses
  • $801Total noninterest income
  • $0Fiduciary activities
  • $226Service charges on deposit accounts
  • $0Trading account gains & fees
  • $575Additional noninterest income
  • $6,373Total noninterest expense
  • $3,095Salaries and employee benefits
  • $901Premises and equipment expense
  • $2,377Additional noninterest expense
  • $239Pre-tax net operating income
  • $179Securities gains (losses)
  • -$7Applicable income taxes
  • $425Income before extraordinary items
  • $0Extraordinary gains - net
  • $425Net income attributable to bank
  • $0Net charge-offs
  • $425Cash dividends
  • $54Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 3.78%Noninterest expense to earning assets
  • 0.14%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.23%Pretax return on assets
  • 1.10%Return on equity (ROE)
  • -1.49%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 598.15%Credit loss provision to net charge-offs
  • 10.41%Efficiency ratio
  • 91,896Assets per employee
  • 6.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 235.29%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 62.16%Net loans and leases to core deposits
  • 65.25%Equity capital to assets
  • 20.61%Core capital (leverage) ratio
  • 20.10%Tier 1 risk-based capital ratio
  • 32.64%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $182,098Average earning assets
  • $38,632Average equity
  • $168,724Average loans

List of branches

  • 4 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0181935star BankPain And Stewart Streets, Building 1485, Peterson Afb, Colorado Springs, CO 80914June 10, 1980Full Service Brick and Mortar
    34300435 Star Bank Messenger Service3992 E. Bijou St, Colorado Springs, CO 80909July 14, 2004Limited Service Messenger
    54726195 Star Bank - Downtown Branch101 S. Sahwatch, Suite 100, Colorado Springs, CO 80903Febuary 19, 2008Full Service Brick and Mortar
    65129955star Bank10989 New Allegiance Drive, Colorado Springs, CO 80921October 07, 2010Full Service Brick and Mortar

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