Bank One, Western Colorado, National Association in Salida, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1995

  • Bank One, Western Colorado, National Association in Salida, Colorado (CO)
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Bank One, Western Colorado, National Association - Overview

  • General
  • FDIC Certificate #: 21991
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Colorado, National Association (#18914)
    Federal Reserve ID: 347358
    Date Established: April 24, 1975
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Interstate: No)
    FDIC's unique #: 15250
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: April 24, 1975
    Last Structure Change Effective Date: January 01, 1995
    Last Structure Change Process Date: January 12, 1995
    Last Data Update: January 12, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 146 G Street, Salida, CO 81201
    County: Chaffee
    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
  • Financial Summary
  • Total assets: $351.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $182Total assets
  • $351,611Cash and due from depository institutions
  • $6,849Interest-bearing balances
  • $0Securities
  • $124,390Federal funds sold & reverse repurchase agreements
  • $37,825Net loans & leases
  • $165,857Loan loss allowance
  • $1,502Trading account assets
  • $0Bank premises and fixed assets
  • $2,529Other real estate owned
  • $30Goodwill and other intangibles
  • $4,497Life insurance assets
  • $9,634All other assets
  • $0Total liabilities and capital
  • $351,611Total liabilities
  • $315,653Total deposits
  • $252,398Interest-bearing deposits
  • $213,670Deposits held in domestic offices
  • 252398.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $61,680Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,575Total equity capital
  • $1,575Total bank equity capital
  • $35,958Perpetual preferred stock
  • $0Common stock
  • $5,000Surplus
  • $22,305Undivided profits
  • Memoranda
  • $8,653Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,266Income earned, not collected on loans
  • $1,535Earning assets
  • $328,072Long-term assets (5+ years)
  • $72,059Average Assets, year-to-date
  • $327,864Average Assets, quarterly
  • $357,281Volatile liabilities
  • $68,443Insider loans
  • $4,041FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $50,660Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $26,834Total risk weighted assets
  • $197,917Total unused commitments
  • $0Restructured Loans and leases
  • $32,750Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $24,917Total interest expense
  • $8,190Net interest income
  • $16,727Provision for loan and lease losses
  • $28Total noninterest income
  • $2,604Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,845Trading account gains & fees
  • $8Additional noninterest income
  • $751Total noninterest expense
  • $18,963Salaries and employee benefits
  • $5,861Premises and equipment expense
  • $956Additional noninterest expense
  • $12,146Pre-tax net operating income
  • $340Securities gains (losses)
  • -$391Applicable income taxes
  • $1,470Income before extraordinary items
  • -$1,521Extraordinary gains - net
  • $0Net income attributable to bank
  • -$1,521Net charge-offs
  • $393Cash dividends
  • $2,500Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.27%Cost of funding earning assets
  • 2.72%Net interest margin
  • 5.55%Noninterest income to earning assets
  • 0.86%Noninterest expense to earning assets
  • 6.30%Net operating income to assets
  • -0.34%Return on assets (ROA)
  • -0.46%Pretax return on assets
  • -0.02%Return on equity (ROE)
  • -4.67%Retained earnings to average equity (YTD only)
  • -12.34%Net charge-offs to loans
  • 0.26%Credit loss provision to net charge-offs
  • 7.12%Efficiency ratio
  • 69,195Assets per employee
  • 1.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -164.37%Loss allowance to loans
  • 0.90%Loss allowance to noncurrent loans
  • 66.28%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 1.35%Net loans and leases to deposits
  • 65.71%Net loans and leases to core deposits
  • 67.52%Equity capital to assets
  • 10.23%Core capital (leverage) ratio
  • 7.71%Tier 1 risk-based capital ratio
  • 13.56%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $327,864Average earning assets
  • $32,591Average equity
  • $301,141Average loans

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