Fowler State Bank in Fowler, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Fowler State Bank - Overview

  • General
  • FDIC Certificate #: 12372
    Status: Active
    Federal Reserve ID: 433859
    Date Established: January 01, 1899
    WWW: http://www.fowlerstatehb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 7867
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    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: 201 Main Street, Fowler, CO 81039
    County: Otero
    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: $66.4 mil
    Equity capital: $8.3 mil
    Deposits held in domestic offices: $57.9 mil
    Return on assets (ROA): 0.85% ($0.6 mil)
    Quarterly return on assets: 0.19% ($0.1 mil)
    Return on Equity (ROE): 6.86% ($0.5 mil)
    Quarterly return on equity: 1.50% ($0.1 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.12% ($743.8 mil)
    Quarterly Pretax return on assets: 0.07% ($46.5 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
  • 12Total employees (full-time equivalent)
  • $66,415Total assets
  • $6,371Cash and due from depository institutions
  • $5,593Interest-bearing balances
  • $24,710Securities
  • $2,800Federal funds sold & reverse repurchase agreements
  • $31,786Net loans & leases
  • $818Loan loss allowance
  • $0Trading account assets
  • $42Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $66,415Life insurance assets
  • $706All other assets
  • $58,151Total liabilities and capital
  • $57,925Total liabilities
  • $51,791Total deposits
  • $57,925Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $226Subordinated debt
  • $8,264All other liabilities
  • $8,264Total equity capital
  • $8,264Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $350Surplus
  • $7,864Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $681Income earned, not collected on loans
  • $0Earning assets
  • $511Long-term assets (5+ years)
  • $64,889Average Assets, year-to-date
  • $5,758Average Assets, quarterly
  • $64,959Volatile liabilities
  • $66,043Insider loans
  • $35,308FHLB advances
  • $66,838Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,262Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,755Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,604Total interest income
  • $545Total interest expense
  • $2,059Net interest income
  • $486Provision for loan and lease losses
  • $378Total noninterest income
  • $0Fiduciary activities
  • $286Service charges on deposit accounts
  • $0Trading account gains & fees
  • $92Additional noninterest income
  • $1,223Total noninterest expense
  • $724Salaries and employee benefits
  • $119Premises and equipment expense
  • $380Additional noninterest expense
  • $728Pre-tax net operating income
  • $0Securities gains (losses)
  • $176Applicable income taxes
  • $552Income before extraordinary items
  • $0Extraordinary gains - net
  • $552Net income attributable to bank
  • $0Net charge-offs
  • $552Cash dividends
  • $689Sale, conversion, retirement of capital stock, net
  • $20Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.11%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 1.93%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 6.86%Return on equity (ROE)
  • 6.61%Retained earnings to average equity (YTD only)
  • 2.02%Net charge-offs to loans
  • 70.54%Credit loss provision to net charge-offs
  • 1.76%Efficiency ratio
  • 50,185Assets per employee
  • 5.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3.62%Loss allowance to loans
  • 2.51%Loss allowance to noncurrent loans
  • 120.12%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 2.09%Net loans and leases to deposits
  • 54.87%Net loans and leases to core deposits
  • 57.34%Equity capital to assets
  • 12.44%Core capital (leverage) ratio
  • 12.36%Tier 1 risk-based capital ratio
  • 23.40%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $64,959Average earning assets
  • $8,049Average equity
  • $63,319Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07867Fowler State Bank201 Main Street, Fowler, CO 81039January 01, 1899Full Service Brick and Mortar

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