Bank of Colorado in Fort Collins, Colorado (CO), NM
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of Colorado - Overview

  • General
  • FDIC Certificate #: 16980
    Status: Active
    Federal Reserve ID: 255659
    Bank Holding Company (Regulatory Top Holder): Pinnacle Bancorp, Inc. (RSSDID: 1053272, Location: Central City, NE)
    Date Established: January 01, 1900
    WWW: http://www.bankofcolorado.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 40 (Domestic: 40, Interstate: Yes)
    OTS Docket #: 13686
    FDIC's unique #: 11054
    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: January 26, 1951
    Last Structure Change Effective Date: September 15, 2006
    Last Structure Change Process Date: September 15, 2006
    Last Data Update: September 15, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1609 East Harmony Road, Fort Collins, CO 80525
    County: Larimer
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Denver
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Fort Collins-Loveland, CO (#2670)
    Core Based Statistical Area (CBSA): Fort Collins-Loveland, CO (#22660)
    CBSA Metro Statistical Area: Fort Collins-Loveland, CO (#22660)
  • Financial Summary
  • Total assets: $2,140.7 mil
    Equity capital: $219.9 mil
    Deposits held in domestic offices: $1,783.1 mil
    Return on assets (ROA): 1.53% ($32.8 mil)
    Quarterly return on assets: 1.48% ($31.7 mil)
    Return on Equity (ROE): 14.76% ($32.5 mil)
    Quarterly return on equity: 14.21% ($31.3 mil)
    Net income: $31.1 mil
    Quarterly Net income: $7.8 mil
    Pretax return on assets: 1.53% ($32,752.7 mil)
    Quarterly Pretax return on assets: 1.48% ($31,682.3 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
  • 453Total employees (full-time equivalent)
  • $2,140,697Total assets
  • $94,008Cash and due from depository institutions
  • $46,665Interest-bearing balances
  • $728,029Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,229,723Net loans & leases
  • $27,892Loan loss allowance
  • $0Trading account assets
  • $33,857Bank premises and fixed assets
  • $5,154Other real estate owned
  • $27,598Goodwill and other intangibles
  • $2,140,697Life insurance assets
  • $22,328All other assets
  • $1,920,816Total liabilities and capital
  • $1,783,144Total liabilities
  • $1,655,270Total deposits
  • $1,783,144Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 64008.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $68,746Trading liabilities
  • $0Other borrowed funds
  • $4,918Subordinated debt
  • $219,881All other liabilities
  • $219,881Total equity capital
  • $219,881Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $82,229Surplus
  • $132,652Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $19,868Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $28,183Income earned, not collected on loans
  • $0Earning assets
  • $10,231Long-term assets (5+ years)
  • $2,004,417Average Assets, year-to-date
  • $457,104Average Assets, quarterly
  • $2,033,294Volatile liabilities
  • $2,110,225Insider loans
  • $1,357,041FHLB advances
  • $2,039,457Loans and leases held for sale
  • $524Unused loan commitments
  • $524Tier 1 (core) risk-based capital
  • $174,293Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $232,035Restructured Loans and leases
  • $7,608Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $82,983Total interest income
  • $12,098Total interest expense
  • $70,885Net interest income
  • $7,465Provision for loan and lease losses
  • $16,649Total noninterest income
  • $0Fiduciary activities
  • $5,352Service charges on deposit accounts
  • $0Trading account gains & fees
  • $11,297Additional noninterest income
  • $49,420Total noninterest expense
  • $27,918Salaries and employee benefits
  • $4,948Premises and equipment expense
  • $16,554Additional noninterest expense
  • $30,649Pre-tax net operating income
  • $409Securities gains (losses)
  • $0Applicable income taxes
  • $31,058Income before extraordinary items
  • $0Extraordinary gains - net
  • $31,058Net income attributable to bank
  • $0Net charge-offs
  • $31,058Cash dividends
  • $6,386Sale, conversion, retirement of capital stock, net
  • $24,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.36%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 3.72%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.60%Noninterest expense to earning assets
  • 1.51%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 14.76%Return on equity (ROE)
  • 3.35%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 116.90%Credit loss provision to net charge-offs
  • 5.97%Efficiency ratio
  • 56,025Assets per employee
  • 4.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.27%Loss allowance to loans
  • 2.22%Loss allowance to noncurrent loans
  • 98.97%Noncurrent assets plus other real estate owned to assets
  • 1.56%Noncurrent loans to loans
  • 2.24%Net loans and leases to deposits
  • 68.96%Net loans and leases to core deposits
  • 73.89%Equity capital to assets
  • 10.27%Core capital (leverage) ratio
  • 8.55%Tier 1 risk-based capital ratio
  • 12.84%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $2,033,294Average earning assets
  • $210,382Average equity
  • $1,904,185Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,618Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 33Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,618Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $3,618Fiduciary accounts held in foreign offices

List of branches

  • 37 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011054Bank Of Colorado1609 East Harmony Road, Fort Collins, CO 80525January 01, 1900Full Service Brick and Mortar
    11898Brush Branch301 Clayton Street, Brush, CO 80723January 01, 1902Full Service Brick and Mortar
    3284302Sterling BranchSouth 3rd And Ash Street, Sterling, CO 80751January 01, 1912Full Service Brick and Mortar
    6284305Holyoke Branch106 South Interocean Avenue, Holyoke, CO 80734January 01, 1912Full Service Brick and Mortar
    7284307Yuma Branch315 South Main Street, Yuma, CO 80759January 01, 1912Full Service Brick and Mortar
    8284308Akron Branch160 Main Street, Akron, CO 80720January 01, 1912Full Service Brick and Mortar
    9284312Fort Morgan Branch401 Main Street, Fort Morgan, CO 80701January 01, 1912Full Service Brick and Mortar
    11239821Sterling Drive Up Branch329 W Main Street, Sterling, CO 80751April 17, 1995Limited Service Facility
    1315765Windsor West Branch1041 West Main Street, Windsor, CO 80550January 30, 1978Full Service Brick and Mortar
    1439932Craig Branch250 West Victory Way, Craig, CO 81625September 21, 1988Full Service Brick and Mortar
    151913Durango Branch1199 Main Avenue, Durango, CO 81301May 17, 1910Full Service Brick and Mortar
    16196011Durango Drive Up Branch902 E. 2nd Avenue, Durango, CO 81301November 18, 1990Limited Service Facility
    17196012South City Market Branch6 Town Plaza, Durango, CO 81301November 18, 1996Full Service Retail
    1935771Estes Park Branch533 Big Thompson Avenue, Estes Park, CO 80517June 20, 1986Full Service Brick and Mortar
    2015313Grand Junction Branch200 Grand Avenue, Grand Junction, CO 81501July 01, 1975Full Service Brick and Mortar
    2112602Glenwood Springs Branch901 Grand Avenue, Glenwood Springs, CO 81601April 01, 1963Full Service Brick and Mortar
    22254005Basalt Branch655 East Valley Road, Basalt, CO 81621June 10, 1997Full Service Brick and Mortar
    23254007Patterson Branch2903 F Road, Grand Junction, CO 81504May 11, 1998Full Service Brick and Mortar
    24360656Pagosa Springs Branch205 Country Center Drive, Pagosa Springs, CO 81147May 18, 2001Full Service Brick and Mortar
    25363610Greeley Branch3640 W 10th St, Greeley, CO 80634May 06, 2002Full Service Brick and Mortar
    263636117791 Highland Meadows Parkway Branch7791 Highland Meadows Parkway, Ste. E, Windsor, CO 80528May 06, 2002Limited Service Loan Production
    27364818Ft Lupton Drive Up605 4th St, Fort Lupton, CO 80621September 19, 2001Limited Service Facility
    28364819North City Market Branch3130 Main Ave, Durango, CO 81301January 31, 2002Full Service Retail
    29419203Rifle Branch1200 Railroad Avenue, Rifle, CO 81650May 12, 2003Full Service Brick and Mortar
    30430003Fort Lupton Branch - S. Rollie Ave.111 S. Rollie Avenue, Fort Lupton, CO 80621October 24, 2003Full Service Brick and Mortar
    3116611Edison Branch4328 Edison Avenue, Colorado Springs, CO 80915March 29, 1982Full Service Brick and Mortar
    322566947olorado Springs Messenger BranchEl Paso County, Colorado Springs, CO 80915October 15, 1999Limited Service Messenger
    33358787Tejon Branch421 North Tejon Street, Colorado Springs, CO 80903July 17, 2000Full Service Brick and Mortar
    37442239Ft Collins North Branch - Lincoln Av1102 Lincoln Ave, Fort Collins, CO 80524April 29, 2005Full Service Brick and Mortar
    38442240Eaton Branch312 Collins St, Eaton, CO 80615April 28, 2005Full Service Brick and Mortar
    4015533Olathe Branch500 U.S. Highway 50, Business Loop, Olathe, CO 81425August 30, 1976Full Service Brick and Mortar
    41254386Express Agent Banking Branch302 Main Street, Olathe, CO 81425November 01, 1993Limited Service Messenger
    42254387Delta Branch145 West 4th Street, Delta, CO 81416Febuary 16, 1999Full Service Brick and Mortar
    43462143Bank Of Colorado4848 Thompson Parkway, Johnstown, CO 80534March 26, 2007Full Service Brick and Mortar
    44465572Lakewood Branch300 Union Blvd Suite 100, Lakewood, CO 80228June 29, 2007Full Service Brick and Mortar
    45465573Montrose Branch512 E Main St, Montrose, CO 81401May 07, 2007Full Service Brick and Mortar
    47494420Internet Branch1609 East Harmony Road, Fort Collins, CO 80525July 23, 2008Full Service Cyber
  • 3 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3514847Gallup Main Branch307 West Aztec Avenue, Gallup, NM 87301March 04, 1974Full Service Brick and Mortar
    36252915Walmart Branch1650 West Maloney Avenue, Gallup, NM 87301May 19, 1999Full Service Retail
    39446027Gallup Branch1804 East Aztec Avenue, Gallup, NM 87301December 05, 2005Full Service Brick and Mortar

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