Charter Bank and Trust in Englewood, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 03, 1996

  • Charter Bank and Trust in Englewood, Colorado (CO)
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Charter Bank and Trust - Overview

  • General
  • FDIC Certificate #: 23267
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Mountain Parks Bank-East (#21840)
    Federal Reserve ID: 684950
    Date Established: December 05, 1980
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 10571
    FDIC's unique #: 16304
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 05, 1980
    Last Structure Change Effective Date: July 03, 1996
    Last Structure Change Process Date: August 22, 1996
    Last Data Update: August 22, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 9335 East County Line Road, Englewood, CO 80112
    County: Arapahoe
    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
    Metropolitan Statistical Area (MSA): Denver, CO (#2080)
    Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
    Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
    Core Based Statistical Area (CBSA): Denver-Aurora-Broomfield, CO (#19740)
    CBSA Metro Statistical Area: Denver-Aurora-Broomfield, CO (#19740)
  • Financial Summary
  • Total assets: $19.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $32Total assets
  • $25,146Cash and due from depository institutions
  • $3,214Interest-bearing balances
  • $119Securities
  • $3,209Federal funds sold & reverse repurchase agreements
  • $5,020Net loans & leases
  • $13,044Loan loss allowance
  • $92Trading account assets
  • $0Bank premises and fixed assets
  • $191Other real estate owned
  • $193Goodwill and other intangibles
  • $275Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $25,146Total liabilities
  • $23,095Total deposits
  • $23,007Interest-bearing deposits
  • $14,984Deposits held in domestic offices
  • 23007.00%% insured (estimated)
  • $57Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $88Total equity capital
  • $88Total bank equity capital
  • $2,051Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $400Undivided profits
  • Memoranda
  • $1,151Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $38Income earned, not collected on loans
  • $71Earning assets
  • $21,392Long-term assets (5+ years)
  • $3,698Average Assets, year-to-date
  • $18,636Average Assets, quarterly
  • $21,399Volatile liabilities
  • $5,207Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $4,332Unused loan commitments
  • $2,448Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,041Total risk weighted assets
  • $14,984Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,501Total interest expense
  • $469Net interest income
  • $1,032Provision for loan and lease losses
  • $125Total noninterest income
  • $1,311Fiduciary activities
  • $0Service charges on deposit accounts
  • $155Trading account gains & fees
  • $0Additional noninterest income
  • $1,156Total noninterest expense
  • $1,835Salaries and employee benefits
  • $1,044Premises and equipment expense
  • $196Additional noninterest expense
  • $595Pre-tax net operating income
  • $383Securities gains (losses)
  • $26Applicable income taxes
  • $139Income before extraordinary items
  • $270Extraordinary gains - net
  • $0Net income attributable to bank
  • $270Net charge-offs
  • $105Cash dividends
  • $12Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.35%Cost of funding earning assets
  • 2.92%Net interest margin
  • 6.43%Noninterest income to earning assets
  • 8.17%Noninterest expense to earning assets
  • 11.43%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 2.19%Return on equity (ROE)
  • 14.41%Retained earnings to average equity (YTD only)
  • 13.77%Net charge-offs to loans
  • 1.03%Credit loss provision to net charge-offs
  • 119.05%Efficiency ratio
  • 78,318Assets per employee
  • 0.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 4.44%Loss allowance to loans
  • 0.70%Loss allowance to noncurrent loans
  • 242.11%Noncurrent assets plus other real estate owned to assets
  • 0.92%Noncurrent loans to loans
  • 0.29%Net loans and leases to deposits
  • 56.70%Net loans and leases to core deposits
  • 73.28%Equity capital to assets
  • 8.16%Core capital (leverage) ratio
  • 10.13%Tier 1 risk-based capital ratio
  • 13.62%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $18,636Average earning assets
  • $1,874Average equity
  • $16,056Average loans

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