First Pioneer National Bank in city_name, state_name - Detailed Financial Reports, Location

First Pioneer National Bank in Wray, Colorado (CO)
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First Pioneer National Bank routing number info

First Pioneer National Bank - Overview

General
FDIC Certificate #: 3063
Status: Active
Federal Reserve ID: 357553
Bank Holding Company (Regulatory Top Holder): First Pioneer Bank Corp. (RSSDID: 1062528, Location: Wray, CO)
Date Established: July 01, 1902
WWW: http://www.efpnb.com
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: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 52256
FDIC's unique #: 1950
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
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: 145 West Fourth Street, Wray, CO 80758
County: Yuma
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $161.3 mil
Equity capital: $19.6 mil
Deposits held in domestic offices: $133.6 mil
Return on assets (ROA): 0.79% ($1.3 mil)
Quarterly return on assets: 0.83% ($1.3 mil)
Return on Equity (ROE): 6.38% ($1.3 mil)
Quarterly return on equity: 6.65% ($1.3 mil)
Net income: $1.2 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.96% ($1,548.2 mil)
Quarterly Pretax return on assets: 1.02% ($1,644.9 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
28Total employees (full-time equivalent)
$161,267Total assets
$21,569Cash and due from depository institutions
$14,143Interest-bearing balances
$62,610Securities
$0Federal funds sold & reverse repurchase agreements
$73,426Net loans & leases
$1,239Loan loss allowance
$0Trading account assets
$783Bank premises and fixed assets
$285Other real estate owned
$0Goodwill and other intangibles
$161,267Life insurance assets
$2,594All other assets
$141,653Total liabilities and capital
$133,602Total liabilities
$96,304Total deposits
$133,602Interest-bearing deposits
$91Deposits held in domestic offices
5065.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,668Trading liabilities
$0Other borrowed funds
$318Subordinated debt
$19,614All other liabilities
$19,614Total equity capital
$19,614Total bank equity capital
$0Perpetual preferred stock
$2,000Common stock
$2,000Surplus
$15,614Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,352Income earned, not collected on loans
$42Earning assets
$1,782Long-term assets (5+ years)
$150,179Average Assets, year-to-date
$27,794Average Assets, quarterly
$151,948Volatile liabilities
$156,135Insider loans
$90,078FHLB advances
$156,052Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$18,546Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22,588Restructured Loans and leases
$337Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,519Total interest income
$1,302Total interest expense
$4,217Net interest income
$110Provision for loan and lease losses
$601Total noninterest income
$0Fiduciary activities
$220Service charges on deposit accounts
$0Trading account gains & fees
$381Additional noninterest income
$3,361Total noninterest expense
$1,928Salaries and employee benefits
$323Premises and equipment expense
$1,110Additional noninterest expense
$1,347Pre-tax net operating income
$119Securities gains (losses)
$267Applicable income taxes
$1,199Income before extraordinary items
$0Extraordinary gains - net
$1,199Net income attributable to bank
$0Net charge-offs
$1,199Cash dividends
$14Sale, conversion, retirement of capital stock, net
$350Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.86%Yield on earning assets
0.91%Cost of funding earning assets
2.95%Net interest margin
0.42%Noninterest income to earning assets
2.35%Noninterest expense to earning assets
0.72%Net operating income to assets
0.79%Return on assets (ROA)
0.96%Pretax return on assets
6.38%Return on equity (ROE)
4.52%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
785.71%Credit loss provision to net charge-offs
104.07%Efficiency ratio
69,759Assets per employee
5.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
29.19%Loss allowance to loans
1.66%Loss allowance to noncurrent loans
91.64%Noncurrent assets plus other real estate owned to assets
1.02%Noncurrent loans to loans
1.81%Net loans and leases to deposits
54.96%Net loans and leases to core deposits
56.99%Equity capital to assets
12.16%Core capital (leverage) ratio
11.88%Tier 1 risk-based capital ratio
20.59%Total risk-based capital ratio
Memoranda
$22Average assets
$151,948Average earning assets
$18,802Average equity
$143,113Average loans

List of branches

2 Colorado Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	1950	First Pioneer National Bank	145 West Fourth Street, Wray, CO 80758	July 01, 1902	Full Service Brick and Mortar
1	32028	Holyoke Branch	150 South Interocean Street, Holyoke, CO 80734	December 07, 1984	Full Service Brick and Mortar

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

First Pioneer National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First Pioneer National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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