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

This bank is inactive as of April 07, 2005

First National Bank - Colorado in Fowler, Colorado (CO)
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First National Bank - Colorado - Overview

General
FDIC Certificate #: 3021
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Sunflower Bank, National Association (#4767)
Federal Reserve ID: 494458
Date Established: March 05, 1905
WWW: http://www.fnb-colorado.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 #: 13833
FDIC's unique #: 1919
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: January 01, 1934
Last Structure Change Effective Date: April 07, 2005
Last Structure Change Process Date: May 03, 2005
Last Data Update: May 03, 2005
Data Source Date: April 05, 2012
Location
Address: 117 Main Street, Fowler, CO 81039
County: Otero
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
Financial Summary
Total assets: $63.6 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, 2004)

Dollar figures in thousands
33Total employees (full-time equivalent)
$64,163Total assets
$4,205Cash and due from depository institutions
$350Interest-bearing balances
$5,723Securities
$1,240Federal funds sold & reverse repurchase agreements
$46,940Net loans & leases
$609Loan loss allowance
$0Trading account assets
$4,731Bank premises and fixed assets
$80Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,244All other assets
$64,163Total liabilities and capital
$59,366Total liabilities
$51,404Total deposits
$38,044Interest-bearing deposits
$51,404Deposits held in domestic offices
0.00%% insured (estimated)
$2,839Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,771Other borrowed funds
$0Subordinated debt
$352All other liabilities
$4,797Total equity capital
$4,797Total bank equity capital
$4,797Perpetual preferred stock
$0Common stock
$250Surplus
$250Undivided profits
Memoranda
$4,297Noncurrent loans and leases
$8,274Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$669Earning assets
$489Long-term assets (5+ years)
$529Average Assets, year-to-date
$54,253Average Assets, quarterly
$7,416Volatile liabilities
$67,172Insider loans
$65,612FHLB advances
$7,603Loans and leases held for sale
$2,787Unused loan commitments
$4,771Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$770Total risk weighted assets
$8,274Total unused commitments
$0Restructured Loans and leases
$572Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$3,884Total interest income
$910Total interest expense
$2,974Net interest income
$120Provision for loan and lease losses
$409Total noninterest income
$0Fiduciary activities
$274Service charges on deposit accounts
$0Trading account gains & fees
$135Additional noninterest income
$2,948Total noninterest expense
$1,525Salaries and employee benefits
$585Premises and equipment expense
$838Additional noninterest expense
$315Pre-tax net operating income
$0Securities gains (losses)
$108Applicable income taxes
$207Income before extraordinary items
$0Extraordinary gains - net
$207Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$231Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.73%Yield on earning assets
1.58%Cost of funding earning assets
5.16%Net interest margin
0.71%Noninterest income to earning assets
5.11%Noninterest expense to earning assets
0.31%Net operating income to assets
0.31%Return on assets (ROA)
0.47%Pretax return on assets
4.40%Return on equity (ROE)
4.40%Retained earnings to average equity (YTD only)
0.47%Net charge-offs to loans
51.95%Credit loss provision to net charge-offs
1.88%Efficiency ratio
87,142Assets per employee
1.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.28%Loss allowance to noncurrent loans
91.03%Noncurrent assets plus other real estate owned to assets
1.17%Noncurrent loans to loans
1.41%Net loans and leases to deposits
91.32%Net loans and leases to core deposits
100.64%Equity capital to assets
7.48%Core capital (leverage) ratio
7.29%Tier 1 risk-based capital ratio
10.49%Total risk-based capital ratio
Memoranda
$12Average assets
$67,172Average earning assets
$4,703Average equity
$57,682Average loans

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