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


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
  • NoIDNameAddressEstablishedService TypeMap
    01950First Pioneer National Bank145 West Fourth Street, Wray, CO 80758July 01, 1902Full Service Brick and Mortar
    132028Holyoke Branch150 South Interocean Street, Holyoke, CO 80734December 07, 1984Full Service Brick and Mortar

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