Delta Federal Savings, F.S.B. in Delta, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1997

Delta Federal Savings, F.S.B. in Delta, Colorado (CO)
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Delta Federal Savings, F.S.B. - Overview

General
FDIC Certificate #: 28209
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Federal Bank of Colorado (#33627)
Federal Reserve ID: 821773
Date Established: January 01, 1910
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 1144
FDIC's unique #: 41043
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: November 30, 1956
Last Structure Change Effective Date: October 01, 1997
Last Structure Change Process Date: November 19, 1997
Last Data Update: November 19, 1997
Data Source Date: April 05, 2012
Location
Address: 145 W 4th Street, Delta, CO 81416
County: Delta
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: $40.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$11Total assets
$38,153Cash and due from depository institutions
$1,130Interest-bearing balances
$1,017Securities
$3,030Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$32,936Loan loss allowance
$271Trading account assets
$0Bank premises and fixed assets
$288Other real estate owned
$0Goodwill and other intangibles
$769Life insurance assets
$0All other assets
$0Total liabilities and capital
$38,153Total liabilities
$34,680Total deposits
$29,699Interest-bearing deposits
$28,854Deposits held in domestic offices
29699.00%% insured (estimated)
$99Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$4,838Subordinated debt
$0All other liabilities
$143Total equity capital
$143Total bank equity capital
$3,473Perpetual preferred stock
$0Common stock
$2Surplus
$1,496Undivided profits
Memoranda
$1,975Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$200Income earned, not collected on loans
$168Earning assets
$36,983Long-term assets (5+ years)
$0Average Assets, year-to-date
$39,471Average Assets, quarterly
$38,952Volatile liabilities
$5,722Insider loans
$0FHLB advances
$4,800Loans and leases held for sale
$0Unused loan commitments
$1,302Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,446Total risk weighted assets
$18,844Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$3,120Total interest expense
$1,643Net interest income
$1,477Provision for loan and lease losses
$24Total noninterest income
$131Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$131Total noninterest expense
$1,217Salaries and employee benefits
$565Premises and equipment expense
$170Additional noninterest expense
$482Pre-tax net operating income
$367Securities gains (losses)
$0Applicable income taxes
$131Income before extraordinary items
$236Extraordinary gains - net
$0Net income attributable to bank
$236Net charge-offs
$2Cash dividends
$55Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.15%Cost of funding earning assets
4.29%Net interest margin
3.86%Noninterest income to earning assets
0.34%Noninterest expense to earning assets
3.18%Net operating income to assets
0.60%Return on assets (ROA)
0.60%Pretax return on assets
0.93%Return on equity (ROE)
6.96%Retained earnings to average equity (YTD only)
5.34%Net charge-offs to loans
0.01%Credit loss provision to net charge-offs
1200.00%Efficiency ratio
75,684Assets per employee
3.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
23.31%Loss allowance to loans
0.82%Loss allowance to noncurrent loans
123.50%Noncurrent assets plus other real estate owned to assets
0.52%Noncurrent loans to loans
0.60%Net loans and leases to deposits
110.90%Net loans and leases to core deposits
114.30%Equity capital to assets
9.10%Core capital (leverage) ratio
9.04%Tier 1 risk-based capital ratio
18.29%Total risk-based capital ratio
Memoranda
$19Average assets
$39,471Average earning assets
$3,391Average equity
$38,261Average loans

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