Alamosa State Bank in Alamosa, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Alamosa State Bank - Overview

  • General
  • FDIC Certificate #: 13947
    Status: Active
    Federal Reserve ID: 869953
    Bank Holding Company (Regulatory Top Holder): Alamosa Bancorporation, Ltd. (RSSDID: 1061222, Location: Alamosa, CO)
    Date Established: March 01, 1907
    WWW: http://www.alamosastatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 8723
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 23, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2225 Main Street, Alamosa, CO 81101
    County: Alamosa
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $175.3 mil
    Equity capital: $16.1 mil
    Deposits held in domestic offices: $158.7 mil
    Return on assets (ROA): 1.18% ($2.1 mil)
    Quarterly return on assets: 1.33% ($2.3 mil)
    Return on Equity (ROE): 12.76% ($2.0 mil)
    Quarterly return on equity: 14.62% ($2.3 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.18% ($2,068.2 mil)
    Quarterly Pretax return on assets: 1.33% ($2,331.1 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
  • 35Total employees (full-time equivalent)
  • $175,274Total assets
  • $43,874Cash and due from depository institutions
  • $37,867Interest-bearing balances
  • $38,295Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $89,098Net loans & leases
  • $1,405Loan loss allowance
  • $0Trading account assets
  • $2,615Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $175,274Life insurance assets
  • $1,392All other assets
  • $159,139Total liabilities and capital
  • $158,693Total liabilities
  • $128,842Total deposits
  • $158,693Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $446Subordinated debt
  • $16,135All other liabilities
  • $16,135Total equity capital
  • $16,135Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $300Surplus
  • $15,535Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $477Income earned, not collected on loans
  • $0Earning assets
  • $863Long-term assets (5+ years)
  • $165,260Average Assets, year-to-date
  • $26,581Average Assets, quarterly
  • $167,136Volatile liabilities
  • $175,379Insider loans
  • $95,555FHLB advances
  • $170,869Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,578Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,537Restructured Loans and leases
  • $5,793Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,681Total interest income
  • $722Total interest expense
  • $5,959Net interest income
  • $1,072Provision for loan and lease losses
  • $671Total noninterest income
  • $0Fiduciary activities
  • $534Service charges on deposit accounts
  • $0Trading account gains & fees
  • $137Additional noninterest income
  • $3,587Total noninterest expense
  • $2,004Salaries and employee benefits
  • $380Premises and equipment expense
  • $1,203Additional noninterest expense
  • $1,971Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,971Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,971Net income attributable to bank
  • $0Net charge-offs
  • $1,971Cash dividends
  • $959Sale, conversion, retirement of capital stock, net
  • $1,056Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.30%Noninterest expense to earning assets
  • 1.18%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 12.76%Return on equity (ROE)
  • 5.92%Retained earnings to average equity (YTD only)
  • 1.09%Net charge-offs to loans
  • 111.78%Credit loss provision to net charge-offs
  • 3.17%Efficiency ratio
  • 54,103Assets per employee
  • 5.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.58%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 294.55%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 56.14%Net loans and leases to core deposits
  • 59.04%Equity capital to assets
  • 9.21%Core capital (leverage) ratio
  • 9.12%Tier 1 risk-based capital ratio
  • 16.30%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $167,136Average earning assets
  • $15,451Average equity
  • $156,202Average loans

List of branches

  • 2 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08723Alamosa State Bank2225 Main Street, Alamosa, CO 81101March 01, 1907Full Service Brick and Mortar
    1230677Alamosa Main Street Branch601 Main Street, Alamosa, CO 81101August 30, 1999Limited Service Facility

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