Bank of the San Juans in Durango, Colorado (CO)

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Bank of the San Juans routing number info

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Bank of the San Juans
GeneralFDIC Certificate #: 34873
Status: Active
Federal Reserve ID: 2693693
Bank Holding Company (Regulatory Top Holder): Glacier Bancorp, Inc. (RSSDID: 2003975, Location: Kalispell, MT)
Date Established: September 04, 1998
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 61935
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: September 04, 1998
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
LocationAddress: 144 East Eighth Street, Durango, CO 81301
County: La Plata
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: San Francisco
FDIC Field Office: Denver
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Durango, CO (#20420)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $243.0 mil
Equity capital: $27.3 mil
Deposits held in domestic offices: $195.1 mil
Return on assets (ROA): 0.51% ($1.2 mil)
Quarterly return on assets: 0.52% ($1.3 mil)
Return on Equity (ROE): 4.53% ($1.2 mil)
Quarterly return on equity: 4.58% ($1.2 mil)
Net income: $1.2 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.67% ($1,628.2 mil)
Quarterly Pretax return on assets: 0.66% ($1,603.9 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)
Total employees (full-time equivalent)44
Total assets$243,013
Cash and due from depository institutions$7,403
Interest-bearing balances$2,011
Federal funds sold & reverse repurchase agreements$24,200
Net loans & leases$131,327
Loan loss allowance $4,189
Trading account assets$0
Bank premises and fixed assets$3,292
Other real estate owned$2,575
Goodwill and other intangibles$7,338
All other assets$2,956
Life insurance assets$243,013
Total liabilities and capital$215,719
Total liabilities$195,068
Total deposits$165,749
Interest-bearing deposits$195,068
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$20,000
Other borrowed funds $0
Subordinated debt $651
All other liabilities $27,294
Total equity capital$27,294
Total bank equity capital$27,294
Perpetual preferred stock$0
Common stock$2,278
Undivided profits $3,687
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $264
Earning assets $0
Long-term assets (5+ years) $913
Average Assets, year-to-date $221,460
Average Assets, quarterly $65,152
Volatile liabilities $233,653
Insider loans $239,024
FHLB advances $155,025
Loans and leases held for sale $226,060
Unused loan commitments $126
Tier 1 (core) risk-based capital $126
Tier 2 risk-based capital $19,161
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $16,704
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,438
Total interest expense $1,210
Net interest income $8,228
Provision for loan and lease losses $800
Total noninterest income $417
Fiduciary activities $0
Service charges on deposit accounts $597
Trading account gains & fees $0
Additional noninterest income -$180
Total noninterest expense $6,279
Salaries and employee benefits $2,794
Premises and equipment expense $603
Additional noninterest expense $2,882
Pre-tax net operating income $1,566
Securities gains (losses) $0
Applicable income taxes $374
Income before extraordinary items $1,192
Extraordinary gains - net $0
Net income attributable to bank $1,192
Net charge-offs $0
Cash dividends $1,192
Sale, conversion, retirement of capital stock, net $1,171
Net operating income $850
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.45%
Cost of funding earning assets 0.57%
Net interest margin 3.88%
Noninterest income to earning assets 0.20%
Noninterest expense to earning assets 2.96%
Net operating income to assets 0.51%
Return on assets (ROA) 0.51%
Pretax return on assets 0.67%
Return on equity (ROE) 4.53%
Retained earnings to average equity (YTD only) 1.30%
Net charge-offs to loans 0.85%
Credit loss provision to net charge-offs 68.32%
Efficiency ratio2.02%
Assets per employee$69,936
Cash dividends to net income (YTD only)5.52%
Condition Ratios (%)
Loss allowance to loans 71.31%
Loss allowance to noncurrent loans 3.09%
Noncurrent assets plus other real estate owned to assets 1586.74%
Noncurrent loans to loans 1.17%
Net loans and leases to deposits0.19%
Net loans and leases to core deposits 67.32%
Equity capital to assets 93.44%
Core capital (leverage) ratio 11.23%
Tier 1 risk-based capital ratio 8.48%
Total risk-based capital ratio 12.36%
Average assets$14
Average earning assets$233,653
Average equity $26,326
Average loans $212,283
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3 Colorado Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
061935Bank Of The San Juans144 East Eighth Street, Durango, CO 81301September 04, 1998Full Service Brick and Mortar
1290842Hot Springs Boulevard Branch305 Hot Springs Boulevard, Pagosa Springs, CO 81147May 27, 1999Full Service Brick and Mortar
2441699Bank Of The San Juans Branch1710 N. Main, Durango, CO 81301October 07, 2004Full Service Brick and Mortar
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