Bank of the San Juans in Durango, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of the San Juans - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 44Total employees (full-time equivalent)
  • $243,013Total assets
  • $7,403Cash and due from depository institutions
  • $2,011Interest-bearing balances
  • $63,922Securities
  • $24,200Federal funds sold & reverse repurchase agreements
  • $131,327Net loans & leases
  • $4,189Loan loss allowance
  • $0Trading account assets
  • $3,292Bank premises and fixed assets
  • $2,575Other real estate owned
  • $7,338Goodwill and other intangibles
  • $243,013Life insurance assets
  • $2,956All other assets
  • $215,719Total liabilities and capital
  • $195,068Total liabilities
  • $165,749Total deposits
  • $195,068Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $651Subordinated debt
  • $27,294All other liabilities
  • $27,294Total equity capital
  • $27,294Total bank equity capital
  • $0Perpetual preferred stock
  • $2,278Common stock
  • $21,329Surplus
  • $3,687Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $264Income earned, not collected on loans
  • $0Earning assets
  • $913Long-term assets (5+ years)
  • $221,460Average Assets, year-to-date
  • $65,152Average Assets, quarterly
  • $233,653Volatile liabilities
  • $239,024Insider loans
  • $155,025FHLB advances
  • $226,060Loans and leases held for sale
  • $126Unused loan commitments
  • $126Tier 1 (core) risk-based capital
  • $19,161Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,704Restructured Loans and leases
  • $553Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,438Total interest income
  • $1,210Total interest expense
  • $8,228Net interest income
  • $800Provision for loan and lease losses
  • $417Total noninterest income
  • $0Fiduciary activities
  • $597Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$180Additional noninterest income
  • $6,279Total noninterest expense
  • $2,794Salaries and employee benefits
  • $603Premises and equipment expense
  • $2,882Additional noninterest expense
  • $1,566Pre-tax net operating income
  • $0Securities gains (losses)
  • $374Applicable income taxes
  • $1,192Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,192Net income attributable to bank
  • $0Net charge-offs
  • $1,192Cash dividends
  • $1,171Sale, conversion, retirement of capital stock, net
  • $850Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 4.53%Return on equity (ROE)
  • 1.30%Retained earnings to average equity (YTD only)
  • 0.85%Net charge-offs to loans
  • 68.32%Credit loss provision to net charge-offs
  • 2.02%Efficiency ratio
  • 69,936Assets per employee
  • 5.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.31%Loss allowance to loans
  • 3.09%Loss allowance to noncurrent loans
  • 1586.74%Noncurrent assets plus other real estate owned to assets
  • 1.17%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 67.32%Net loans and leases to core deposits
  • 93.44%Equity capital to assets
  • 11.23%Core capital (leverage) ratio
  • 8.48%Tier 1 risk-based capital ratio
  • 12.36%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $233,653Average earning assets
  • $26,326Average equity
  • $212,283Average loans

List of branches

  • 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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