Farmers State Bank of Calhan in city_name, state_name - Detailed Financial Reports, Location

Farmers State Bank of Calhan in Calhan, Colorado (CO)
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Farmers State Bank of Calhan routing number info

Farmers State Bank of Calhan - Overview

General
FDIC Certificate #: 1780
Status: Active
Federal Reserve ID: 956956
Bank Holding Company (Regulatory Top Holder): Pieper Bancorp, Inc. (RSSDID: 1055119, Location: Calhan, CO)
Date Established: August 16, 1916
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 15527
FDIC's unique #: 1178
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: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 1934
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: 458 Colorado Avenue, Calhan, CO 80808
County: El Paso
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): Colorado Springs, CO (#1720)
Core Based Statistical Area (CBSA): Colorado Springs, CO (#17820)
CBSA Metro Statistical Area: Colorado Springs, CO (#17820)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $190.4 mil
Equity capital: $19.9 mil
Deposits held in domestic offices: $159.0 mil
Return on assets (ROA): 0.83% ($1.6 mil)
Quarterly return on assets: 0.88% ($1.7 mil)
Return on Equity (ROE): 8.06% ($1.6 mil)
Quarterly return on equity: 8.48% ($1.7 mil)
Net income: $1.5 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.18% ($2,246.5 mil)
Quarterly Pretax return on assets: 1.30% ($2,475.0 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
49Total employees (full-time equivalent)
$190,383Total assets
$3,728Cash and due from depository institutions
$2,144Interest-bearing balances
$80,977Securities
$0Federal funds sold & reverse repurchase agreements
$94,009Net loans & leases
$1,914Loan loss allowance
$0Trading account assets
$3,552Bank premises and fixed assets
$1,707Other real estate owned
$0Goodwill and other intangibles
$190,383Life insurance assets
$6,410All other assets
$170,450Total liabilities and capital
$159,042Total liabilities
$124,554Total deposits
$159,042Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$11,050Trading liabilities
$0Other borrowed funds
$358Subordinated debt
$19,933All other liabilities
$19,933Total equity capital
$19,933Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$575Surplus
$19,158Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,428Income earned, not collected on loans
$372Earning assets
$1,185Long-term assets (5+ years)
$177,130Average Assets, year-to-date
$111,830Average Assets, quarterly
$182,574Volatile liabilities
$189,883Insider loans
$111,147FHLB advances
$189,361Loans and leases held for sale
$2,585Unused loan commitments
$1,226Tier 1 (core) risk-based capital
$20,999Tier 2 risk-based capital
$1,359Total risk weighted assets
$0Total unused commitments
$10,631Restructured Loans and leases
$346Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,252Total interest income
$2,082Total interest expense
$8,170Net interest income
$889Provision for loan and lease losses
$1,250Total noninterest income
$0Fiduciary activities
$1,155Service charges on deposit accounts
$0Trading account gains & fees
$95Additional noninterest income
$6,038Total noninterest expense
$3,312Salaries and employee benefits
$861Premises and equipment expense
$1,865Additional noninterest expense
$2,493Pre-tax net operating income
-$338Securities gains (losses)
$647Applicable income taxes
$1,508Income before extraordinary items
$0Extraordinary gains - net
$1,508Net income attributable to bank
$0Net charge-offs
$1,508Cash dividends
$836Sale, conversion, retirement of capital stock, net
$50Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.04%Yield on earning assets
1.23%Cost of funding earning assets
4.81%Net interest margin
0.74%Noninterest income to earning assets
3.56%Noninterest expense to earning assets
0.96%Net operating income to assets
0.83%Return on assets (ROA)
1.18%Pretax return on assets
8.06%Return on equity (ROE)
7.80%Retained earnings to average equity (YTD only)
0.85%Net charge-offs to loans
106.34%Credit loss provision to net charge-offs
4.05%Efficiency ratio
64,098Assets per employee
3.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
3.32%Loss allowance to loans
2.00%Loss allowance to noncurrent loans
134.03%Noncurrent assets plus other real estate owned to assets
1.65%Noncurrent loans to loans
1.49%Net loans and leases to deposits
59.11%Net loans and leases to core deposits
70.98%Equity capital to assets
10.47%Core capital (leverage) ratio
11.09%Tier 1 risk-based capital ratio
18.89%Total risk-based capital ratio
Memoranda
$20Average assets
$182,574Average earning assets
$18,700Average equity
$169,725Average loans

List of branches

3 Colorado Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1178	Farmers State Bank Of Calhan	458 Colorado Avenue, Calhan, CO 80808	August 16, 1916	Full Service Brick and Mortar
1	190136	Falcon Branch	Meridian Road & Sthy 24, Peyton, CO 80831	July 01, 1999	Full Service Brick and Mortar
2	419922	Ellicott Branch	334 North Ellicott Highway, Calhan, CO 80808	June 12, 2003	Full Service Brick and Mortar

Farmers State Bank of Calhan in Calhan, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers State Bank of Calhan - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Farmers State Bank of Calhan in Calhan, Colorado (CO)Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers State Bank of Calhan - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Farmers State Bank of Calhan in Calhan, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches