Evergreen National Bank in Evergreen, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Evergreen National Bank in Evergreen, Colorado (CO)
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Evergreen National Bank - Overview

  • General
  • FDIC Certificate #: 23404
    Status: Active
    Federal Reserve ID: 427858
    Bank Holding Company (Regulatory Top Holder): Evergreen Bancorporation (RSSDID: 1129627, Location: Evergreen, CO)
    Date Established: April 15, 1981
    WWW: http://www.enbcolorado.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 16405
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: April 15, 1981
    Last Structure Change Effective Date: September 20, 2010
    Last Structure Change Process Date: September 28, 2010
    Last Data Update: September 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 28145 Colorado Highway 74, Evergreen, CO 80439
    County: Jefferson
    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)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $99.8 mil
    Equity capital: $9.7 mil
    Deposits held in domestic offices: $89.9 mil
    Return on assets (ROA): 0.04% ($0.0 mil)
    Quarterly return on assets: 0.56% ($0.6 mil)
    Return on Equity (ROE): 0.45% ($0.0 mil)
    Quarterly return on equity: 5.70% ($0.6 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -0.08% (-$79.8 mil)
    Quarterly Pretax return on assets: 0.79% ($788.2 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
  • 33Total employees (full-time equivalent)
  • $99,768Total assets
  • $34,083Cash and due from depository institutions
  • $31,129Interest-bearing balances
  • $24,834Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $33,122Net loans & leases
  • $1,268Loan loss allowance
  • $0Trading account assets
  • $2,342Bank premises and fixed assets
  • $3,198Other real estate owned
  • $0Goodwill and other intangibles
  • $99,768Life insurance assets
  • $2,189All other assets
  • $90,087Total liabilities and capital
  • $89,852Total liabilities
  • $45,443Total deposits
  • $89,852Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $235Subordinated debt
  • $9,681All other liabilities
  • $9,681Total equity capital
  • $9,681Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $7,125Surplus
  • $1,556Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,455Income earned, not collected on loans
  • $0Earning assets
  • $105Long-term assets (5+ years)
  • $89,085Average Assets, year-to-date
  • $6,177Average Assets, quarterly
  • $98,099Volatile liabilities
  • $99,376Insider loans
  • $39,566FHLB advances
  • $98,722Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,936Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,624Restructured Loans and leases
  • $374Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,767Total interest income
  • $47Total interest expense
  • $2,720Net interest income
  • -$450Provision for loan and lease losses
  • $596Total noninterest income
  • $0Fiduciary activities
  • $366Service charges on deposit accounts
  • $0Trading account gains & fees
  • $230Additional noninterest income
  • $4,711Total noninterest expense
  • $1,912Salaries and employee benefits
  • $550Premises and equipment expense
  • $2,249Additional noninterest expense
  • -$945Pre-tax net operating income
  • $866Securities gains (losses)
  • -$122Applicable income taxes
  • $43Income before extraordinary items
  • $0Extraordinary gains - net
  • $43Net income attributable to bank
  • $0Net charge-offs
  • $43Cash dividends
  • $469Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.20%Yield on earning assets
  • 0.05%Cost of funding earning assets
  • 3.15%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 5.45%Noninterest expense to earning assets
  • -0.52%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • -0.08%Pretax return on assets
  • 0.45%Return on equity (ROE)
  • 0.45%Retained earnings to average equity (YTD only)
  • 1.22%Net charge-offs to loans
  • -95.95%Credit loss provision to net charge-offs
  • -2.97%Efficiency ratio
  • 142,069Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.69%Loss allowance to noncurrent loans
  • 51.65%Noncurrent assets plus other real estate owned to assets
  • 5.67%Noncurrent loans to loans
  • 7.14%Net loans and leases to deposits
  • 36.86%Net loans and leases to core deposits
  • 36.86%Equity capital to assets
  • 9.70%Core capital (leverage) ratio
  • 9.05%Tier 1 risk-based capital ratio
  • 22.59%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $98,099Average earning assets
  • $9,519Average equity
  • $86,397Average loans

List of branches

  • 4 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016405Evergreen National Bank28145 Colorado Highway 74, Evergreen, CO 80439April 15, 1981Full Service Brick and Mortar
    1256304Bergen Park Branch1198 Bergen Parkway, Evergreen, CO 80439December 13, 1999Full Service Brick and Mortar
    214052Georgetown Branch502 Sixth Street, Georgetown, CO 80444March 29, 1971Full Service Brick and Mortar
    3250898Idaho Springs Branch1546 Miner Street, Idaho Springs, CO 80452June 05, 1995Full Service Brick and Mortar

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