First National Bank in Fort Collins, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 29, 2010

  • First National Bank in Fort Collins, Colorado (CO)
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First National Bank - Overview

  • General
  • FDIC Certificate #: 14372
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank of Omaha (#5452)
    Federal Reserve ID: 552451
    Date Established: May 15, 1934
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 26 (Interstate: No)
    OTS Docket #: 10597
    FDIC's unique #: 8981
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: May 15, 1934
    Last Structure Change Effective Date: September 29, 2010
    Last Structure Change Process Date: October 13, 2010
    Last Data Update: October 13, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 205 West Oak Street, Fort Collins, CO 80521
    County: Larimer
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Denver
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Fort Collins-Loveland, CO (#2670)
    Core Based Statistical Area (CBSA): Fort Collins-Loveland, CO (#22660)
    CBSA Metro Statistical Area: Fort Collins-Loveland, CO (#22660)
  • Financial Summary
  • Total assets: $1,865.1 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, 2009)

  • Dollar figures in thousands
  • 694Total employees (full-time equivalent)
  • $1,942,265Total assets
  • $220,916Cash and due from depository institutions
  • $176,597Interest-bearing balances
  • $146,880Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,392,482Net loans & leases
  • $56,193Loan loss allowance
  • $0Trading account assets
  • $35,104Bank premises and fixed assets
  • $30,113Other real estate owned
  • $39,337Goodwill and other intangibles
  • $0Life insurance assets
  • $77,433All other assets
  • $1,942,265Total liabilities and capital
  • $1,727,670Total liabilities
  • $1,663,572Total deposits
  • $1,262,857Interest-bearing deposits
  • $1,663,572Deposits held in domestic offices
  • 82.11%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $23,016Other borrowed funds
  • $25,000Subordinated debt
  • $16,082All other liabilities
  • $214,595Total equity capital
  • $214,595Total bank equity capital
  • $214,595Perpetual preferred stock
  • $0Common stock
  • $1,438Surplus
  • $188,505Undivided profits
  • Memoranda
  • $24,652Noncurrent loans and leases
  • $322,686Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $124,892Earning assets
  • $68Long-term assets (5+ years)
  • $6,807Average Assets, year-to-date
  • $1,715,959Average Assets, quarterly
  • $90,126Volatile liabilities
  • $2,360,181Insider loans
  • $2,101,199FHLB advances
  • $325,331Loans and leases held for sale
  • $1,053Unused loan commitments
  • $23,016Tier 1 (core) risk-based capital
  • $49,219Tier 2 risk-based capital
  • $52,349Total risk weighted assets
  • $322,686Total unused commitments
  • $4,790Restructured Loans and leases
  • $44,193Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $122,062Total interest income
  • $29,833Total interest expense
  • $92,229Net interest income
  • $119,217Provision for loan and lease losses
  • $61,543Total noninterest income
  • $6,371Fiduciary activities
  • $9,923Service charges on deposit accounts
  • $0Trading account gains & fees
  • $45,249Additional noninterest income
  • $95,880Total noninterest expense
  • $44,436Salaries and employee benefits
  • $12,314Premises and equipment expense
  • $39,130Additional noninterest expense
  • -$61,325Pre-tax net operating income
  • $826Securities gains (losses)
  • -$22,938Applicable income taxes
  • -$37,561Income before extraordinary items
  • $0Extraordinary gains - net
  • -$37,561Net income attributable to bank
  • $0Net charge-offs
  • -$37,561Cash dividends
  • $87,242Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.75%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 4.34%Net interest margin
  • 2.90%Noninterest income to earning assets
  • 4.52%Noninterest expense to earning assets
  • -1.61%Net operating income to assets
  • -1.59%Return on assets (ROA)
  • -2.56%Pretax return on assets
  • -16.68%Return on equity (ROE)
  • -16.68%Retained earnings to average equity (YTD only)
  • 4.65%Net charge-offs to loans
  • 136.65%Credit loss provision to net charge-offs
  • 0.66%Efficiency ratio
  • 61,951Assets per employee
  • 2.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.88%Loss allowance to noncurrent loans
  • 44.99%Noncurrent assets plus other real estate owned to assets
  • 7.98%Noncurrent loans to loans
  • 8.62%Net loans and leases to deposits
  • 83.70%Net loans and leases to core deposits
  • 102.52%Equity capital to assets
  • 11.05%Core capital (leverage) ratio
  • 8.87%Tier 1 risk-based capital ratio
  • 11.61%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $2,360,181Average earning assets
  • $225,229Average equity
  • $2,123,492Average loans

Total Fiduciary and Related Assets (December 31, 2009)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $944,466Managed Assets
  • 1Number of Accounts
  • $820,422Personal trust and agency accounts
  • $156,799Employee benefit-defined contribution accounts
  • $43,547Employee benefit-defined benefit accounts
  • $17,312Other retirement accounts
  • $98,152Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $504,447Other fiduciary accounts
  • $165Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1045Number of Accounts
  • $0Personal trust and agency accounts
  • $98,152Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $124,044Other retirement accounts
  • $5,991Corporate trust and agency accounts
  • $82,251Other fiduciary accounts
  • $23,846Fiduciary accounts held in foreign offices

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