Gunnison Savings and Loan Association in Gunnison, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Gunnison Savings and Loan Association in Gunnison, Colorado (CO)
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Gunnison Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 30388
    Status: Active
    Federal Reserve ID: 388874
    Date Established: January 01, 1911
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 5267
    FDIC's unique #: 43222
    Numeric code: 36
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: September 12, 1949
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 303 North Main St, Gunnison, CO 81230
    County: Gunnison
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $106.5 mil
    Equity capital: $9.9 mil
    Deposits held in domestic offices: $94.9 mil
    Return on assets (ROA): 0.03% ($0.0 mil)
    Quarterly return on assets: 0.18% ($0.2 mil)
    Return on Equity (ROE): 0.33% ($0.0 mil)
    Quarterly return on equity: 1.87% ($0.2 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.05% ($53.2 mil)
    Quarterly Pretax return on assets: 0.21% ($223.6 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)
  • $106,479Total assets
  • $30,666Cash and due from depository institutions
  • $29,892Interest-bearing balances
  • $1,959Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $70,623Net loans & leases
  • $575Loan loss allowance
  • $0Trading account assets
  • $1,216Bank premises and fixed assets
  • $399Other real estate owned
  • $0Goodwill and other intangibles
  • $106,479Life insurance assets
  • $1,616All other assets
  • $96,612Total liabilities and capital
  • $94,891Total liabilities
  • $91,683Total deposits
  • $94,891Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,600Trading liabilities
  • $0Other borrowed funds
  • $121Subordinated debt
  • $9,867All other liabilities
  • $9,867Total equity capital
  • $9,867Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $9,867Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,143Income earned, not collected on loans
  • $0Earning assets
  • $286Long-term assets (5+ years)
  • $102,474Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $104,875Volatile liabilities
  • $104,991Insider loans
  • $51,455FHLB advances
  • $106,479Loans and leases held for sale
  • $580Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,867Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,913Restructured Loans and leases
  • $1,141Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,022Total interest income
  • $1,680Total interest expense
  • $2,342Net interest income
  • $60Provision for loan and lease losses
  • $173Total noninterest income
  • $0Fiduciary activities
  • $18Service charges on deposit accounts
  • $0Trading account gains & fees
  • $155Additional noninterest income
  • $2,429Total noninterest expense
  • $1,500Salaries and employee benefits
  • $374Premises and equipment expense
  • $555Additional noninterest expense
  • $26Pre-tax net operating income
  • $27Securities gains (losses)
  • $21Applicable income taxes
  • $32Income before extraordinary items
  • $0Extraordinary gains - net
  • $32Net income attributable to bank
  • $0Net charge-offs
  • $32Cash dividends
  • -$41Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.98%Yield on earning assets
  • 1.66%Cost of funding earning assets
  • 2.31%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 2.40%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.03%Return on assets (ROA)
  • 0.05%Pretax return on assets
  • 0.33%Return on equity (ROE)
  • 0.33%Retained earnings to average equity (YTD only)
  • -0.06%Net charge-offs to loans
  • -146.34%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 96,581Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 50.31%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 1.61%Net loans and leases to deposits
  • 74.43%Net loans and leases to core deposits
  • 79.22%Equity capital to assets
  • 9.27%Core capital (leverage) ratio
  • 9.27%Tier 1 risk-based capital ratio
  • 19.18%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $104,875Average earning assets
  • $9,835Average equity
  • $101,182Average loans

List of branches

  • 2 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043222Gunnison Savings And Loan Associatio303 North Main St, Gunnison, CO 81230January 01, 1911Full Service Brick and Mortar
    1495965Crested Butte Branch501 Elk Ave, Crested Butte, CO 81224November 01, 2001Full Service Brick and Mortar

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