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

This bank is inactive as of January 01, 2006

  • First National Bank in Telluride, Colorado (CO)
  • Show street view No street view available for this location

First National Bank - Overview

  • General
  • FDIC Certificate #: 33699
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Alpine Bank (#23091)
    Federal Reserve ID: 1990751
    Date Established: September 25, 1992
    WWW: http://www.fnbdirect.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 11392
    FDIC's unique #: 47807
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: September 25, 1992
    Last Structure Change Effective Date: January 01, 2006
    Last Structure Change Process Date: January 18, 2006
    Last Data Update: January 18, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 120 South Pine Street, Telluride, CO 81435
    County: San Miguel
    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: $159.5 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, 2005)

  • Dollar figures in thousands
  • 42Total employees (full-time equivalent)
  • $159,486Total assets
  • $9,251Cash and due from depository institutions
  • $231Interest-bearing balances
  • $22,657Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $116,699Net loans & leases
  • $1,014Loan loss allowance
  • $0Trading account assets
  • $7,212Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,667All other assets
  • $159,486Total liabilities and capital
  • $149,101Total liabilities
  • $133,403Total deposits
  • $95,378Interest-bearing deposits
  • $133,403Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $13,309Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,919Other borrowed funds
  • $0Subordinated debt
  • $470All other liabilities
  • $10,385Total equity capital
  • $10,385Total bank equity capital
  • $10,385Perpetual preferred stock
  • $0Common stock
  • $1,614Surplus
  • $1,925Undivided profits
  • Memoranda
  • $6,846Noncurrent loans and leases
  • $26,722Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1Earning assets
  • $0Long-term assets (5+ years)
  • $681Average Assets, year-to-date
  • $139,587Average Assets, quarterly
  • $13,714Volatile liabilities
  • $142,964Insider loans
  • $154,411FHLB advances
  • $29,702Loans and leases held for sale
  • $35Unused loan commitments
  • $1,919Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $26,722Total unused commitments
  • $0Restructured Loans and leases
  • $1,014Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $9,124Total interest income
  • $1,946Total interest expense
  • $7,178Net interest income
  • $122Provision for loan and lease losses
  • $700Total noninterest income
  • $0Fiduciary activities
  • $435Service charges on deposit accounts
  • $0Trading account gains & fees
  • $265Additional noninterest income
  • $5,566Total noninterest expense
  • $3,520Salaries and employee benefits
  • $465Premises and equipment expense
  • $1,581Additional noninterest expense
  • $2,190Pre-tax net operating income
  • $1Securities gains (losses)
  • $747Applicable income taxes
  • $1,444Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,444Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $476Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.22%Yield on earning assets
  • 1.54%Cost of funding earning assets
  • 5.68%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 4.40%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 14.14%Return on equity (ROE)
  • 9.48%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 70,652Assets per employee
  • 3.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.96%Loss allowance to loans
  • 0.86%Loss allowance to noncurrent loans
  • 101400.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 87.48%Net loans and leases to core deposits
  • 99.28%Equity capital to assets
  • 6.51%Core capital (leverage) ratio
  • 6.96%Tier 1 risk-based capital ratio
  • 9.00%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $142,964Average earning assets
  • $10,210Average equity
  • $126,436Average loans

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