First National Bank of Estes Park in Estes Park, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First National Bank of Estes Park in Estes Park, Colorado (CO)
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First National Bank of Estes Park - Overview

  • General
  • FDIC Certificate #: 19351
    Status: Active
    Federal Reserve ID: 550354
    Bank Holding Company (Regulatory Top Holder): First National Financial Corporation (RSSDID: 1051193, Location: Estes Park, CO)
    Date Established: January 18, 1965
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 10118
    FDIC's unique #: 13161
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 18, 1965
    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: 241 Park Lane, Estes Park, CO 80517
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $110.6 mil
    Equity capital: $11.8 mil
    Deposits held in domestic offices: $98.4 mil
    Return on assets (ROA): 0.89% ($1.0 mil)
    Quarterly return on assets: 0.76% ($0.8 mil)
    Return on Equity (ROE): 7.97% ($1.0 mil)
    Quarterly return on equity: 7.18% ($0.9 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.89% ($984.7 mil)
    Quarterly Pretax return on assets: 0.76% ($840.8 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
  • 27Total employees (full-time equivalent)
  • $110,636Total assets
  • $17,966Cash and due from depository institutions
  • $15,651Interest-bearing balances
  • $28,696Securities
  • $3,800Federal funds sold & reverse repurchase agreements
  • $56,306Net loans & leases
  • $1,362Loan loss allowance
  • $0Trading account assets
  • $727Bank premises and fixed assets
  • $531Other real estate owned
  • $0Goodwill and other intangibles
  • $110,637Life insurance assets
  • $2,610All other assets
  • $98,809Total liabilities and capital
  • $98,403Total liabilities
  • $78,212Total deposits
  • $98,403Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $406Subordinated debt
  • $11,828All other liabilities
  • $11,828Total equity capital
  • $11,828Total bank equity capital
  • $0Perpetual preferred stock
  • $188Common stock
  • $188Surplus
  • $11,452Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $632Income earned, not collected on loans
  • $0Earning assets
  • $258Long-term assets (5+ years)
  • $104,453Average Assets, year-to-date
  • $13,876Average Assets, quarterly
  • $105,175Volatile liabilities
  • $111,826Insider loans
  • $62,171FHLB advances
  • $111,041Loans and leases held for sale
  • $1,906Unused loan commitments
  • $1,906Tier 1 (core) risk-based capital
  • $11,799Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,345Restructured Loans and leases
  • $482Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,866Total interest income
  • $182Total interest expense
  • $3,684Net interest income
  • $280Provision for loan and lease losses
  • $754Total noninterest income
  • $0Fiduciary activities
  • $215Service charges on deposit accounts
  • $0Trading account gains & fees
  • $539Additional noninterest income
  • $3,227Total noninterest expense
  • $1,808Salaries and employee benefits
  • $366Premises and equipment expense
  • $1,053Additional noninterest expense
  • $931Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $931Income before extraordinary items
  • $0Extraordinary gains - net
  • $931Net income attributable to bank
  • $0Net charge-offs
  • $931Cash dividends
  • $257Sale, conversion, retirement of capital stock, net
  • $588Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.96%Yield on earning assets
  • 0.19%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 3.31%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 7.97%Return on equity (ROE)
  • 2.94%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 108.95%Credit loss provision to net charge-offs
  • 4.71%Efficiency ratio
  • 72,713Assets per employee
  • 4.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.16%Loss allowance to loans
  • 2.36%Loss allowance to noncurrent loans
  • 215.51%Noncurrent assets plus other real estate owned to assets
  • 1.05%Noncurrent loans to loans
  • 1.10%Net loans and leases to deposits
  • 57.22%Net loans and leases to core deposits
  • 58.10%Equity capital to assets
  • 10.69%Core capital (leverage) ratio
  • 10.63%Tier 1 risk-based capital ratio
  • 18.98%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $105,175Average earning assets
  • $11,678Average equity
  • $97,511Average loans

List of branches

  • 3 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013161First National Bank Of Estes Park241 Park Lane, Estes Park, CO 80517January 18, 1965Full Service Brick and Mortar
    1247999Niwot Branch7980 Niwot Road, Niwot, CO 80544July 18, 1994Full Service Brick and Mortar
    2248000St Vrain Center501 South St Vrain, Estes Park, CO 80517June 25, 1998Full Service Brick and Mortar

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