First National Bank of the Rockies in Grand Junction, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First National Bank of the Rockies in Grand Junction, Colorado (CO)
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First National Bank of the Rockies - Overview

  • General
  • FDIC Certificate #: 3041
    Status: Active
    Federal Reserve ID: 338758
    Bank Holding Company (Regulatory Top Holder): Fnbr Holding Corporation (RSSDID: 2052601, Location: Grand Junction, CO)
    Date Established: October 13, 1904
    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: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 52446
    FDIC's unique #: 1936
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    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: 2452 Highway 6 And 50, Grand Junction, CO 81505
    County: Mesa
    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): Grand Junction, CO (#2995)
    Core Based Statistical Area (CBSA): Grand Junction, CO (#24300)
    CBSA Metro Statistical Area: Grand Junction, CO (#24300)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $340.6 mil
    Equity capital: $27.8 mil
    Deposits held in domestic offices: $308.7 mil
    Return on assets (ROA): -0.18% (-$0.6 mil)
    Quarterly return on assets: -0.18% (-$0.6 mil)
    Return on Equity (ROE): -2.31% (-$0.6 mil)
    Quarterly return on equity: -2.19% (-$0.6 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -0.17% (-$579.0 mil)
    Quarterly Pretax return on assets: -0.18% (-$613.0 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
  • 102Total employees (full-time equivalent)
  • $340,578Total assets
  • $17,165Cash and due from depository institutions
  • $5,868Interest-bearing balances
  • $166,690Securities
  • $8,000Federal funds sold & reverse repurchase agreements
  • $116,598Net loans & leases
  • $4,863Loan loss allowance
  • $0Trading account assets
  • $15,090Bank premises and fixed assets
  • $4,750Other real estate owned
  • $0Goodwill and other intangibles
  • $340,578Life insurance assets
  • $12,285All other assets
  • $312,818Total liabilities and capital
  • $308,684Total liabilities
  • $232,431Total deposits
  • $308,684Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $250Trading liabilities
  • $0Other borrowed funds
  • $3,884Subordinated debt
  • $27,760All other liabilities
  • $27,760Total equity capital
  • $27,760Total bank equity capital
  • $0Perpetual preferred stock
  • $1,651Common stock
  • $11,301Surplus
  • $14,808Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,942Income earned, not collected on loans
  • $105Earning assets
  • $1,228Long-term assets (5+ years)
  • $297,156Average Assets, year-to-date
  • $96,021Average Assets, quarterly
  • $330,391Volatile liabilities
  • $335,260Insider loans
  • $194,105FHLB advances
  • $336,744Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $30,812Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,718Restructured Loans and leases
  • $250Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,798Total interest income
  • $1,655Total interest expense
  • $11,143Net interest income
  • $1,800Provision for loan and lease losses
  • $2,819Total noninterest income
  • $0Fiduciary activities
  • $907Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,912Additional noninterest income
  • $13,499Total noninterest expense
  • $5,441Salaries and employee benefits
  • $2,585Premises and equipment expense
  • $5,473Additional noninterest expense
  • -$1,337Pre-tax net operating income
  • $770Securities gains (losses)
  • $37Applicable income taxes
  • -$604Income before extraordinary items
  • $0Extraordinary gains - net
  • -$604Net income attributable to bank
  • $0Net charge-offs
  • -$604Cash dividends
  • $4,238Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 4.74%Noninterest expense to earning assets
  • -0.42%Net operating income to assets
  • -0.18%Return on assets (ROA)
  • -0.17%Pretax return on assets
  • -2.31%Return on equity (ROE)
  • -2.31%Retained earnings to average equity (YTD only)
  • 3.27%Net charge-offs to loans
  • 42.47%Credit loss provision to net charge-offs
  • 0.11%Efficiency ratio
  • 96,684Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.00%Loss allowance to noncurrent loans
  • 44.44%Noncurrent assets plus other real estate owned to assets
  • 4.61%Noncurrent loans to loans
  • 9.01%Net loans and leases to deposits
  • 37.77%Net loans and leases to core deposits
  • 42.10%Equity capital to assets
  • 8.15%Core capital (leverage) ratio
  • 9.15%Tier 1 risk-based capital ratio
  • 15.87%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $330,391Average earning assets
  • $26,178Average equity
  • $284,619Average loans

List of branches

  • 10 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01936First National Bank Of The Rockies2452 Highway 6 And 50, Grand Junction, CO 81505October 13, 1904Full Service Brick and Mortar
    246272Craig Branch600 Yampa Avenue, Craig, CO 81625May 11, 1990Full Service Brick and Mortar
    517016Rangely Branch222 West Main Street, Rangely, CO 81648May 16, 1983Full Service Brick and Mortar
    613557Hayden Branch252 West Jefferson Street, Hayden, CO 81639November 13, 1967Full Service Brick and Mortar
    7196043Meeker Office504 Main Street, Meeker, CO 81641June 28, 1999Full Service Brick and Mortar
    8357580Oak Creek Branch200 Sharp, Oak Creek, CO 80467July 01, 1999Full Service Brick and Mortar
    9429596Grand Junction Redlands Branch431 Power Road, Grand Junction, CO 81503August 21, 2003Full Service Brick and Mortar
    10429597Steamboat Springs Branch400 Anglers Drive, Steamboat Springs, CO 80477June 01, 2004Full Service Brick and Mortar
    11438774Horizon Drive Branch685 Horizon Drive, Grand Junction, CO 81505November 01, 2004Full Service Brick and Mortar
    12457969Orchard Mesa Office2775 Acrin Avenue, Grand Junction, CO 81505November 27, 2006Full Service Brick and Mortar

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