J. N. Beaty and Company, Bankers in Manzanola, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 16, 1994

J. N. Beaty and Company, Bankers in Manzanola, Colorado (CO)
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J. N. Beaty and Company, Bankers - Overview

General
FDIC Certificate #: 11260
Status: Inactive
Closing history: Corrections
Acquiring institution: Community Banks of Southern Colorado (#3052)
Federal Reserve ID: 460752
Date Established: January 01, 1897
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 7187
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: May 16, 1994
Last Structure Change Process Date: June 07, 1994
Last Data Update: October 12, 1995
Data Source Date: April 05, 2012
Location
Address: 105 North Park, Manzanola, CO 81058
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
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $5.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$3Total assets
$5,186Cash and due from depository institutions
$715Interest-bearing balances
$300Securities
$1,648Federal funds sold & reverse repurchase agreements
$450Net loans & leases
$2,268Loan loss allowance
$13Trading account assets
$0Bank premises and fixed assets
$3Other real estate owned
$0Goodwill and other intangibles
$102Life insurance assets
$0All other assets
$0Total liabilities and capital
$5,186Total liabilities
$4,330Total deposits
$4,315Interest-bearing deposits
$3,683Deposits held in domestic offices
4315.00%% insured (estimated)
$99Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$15Total equity capital
$15Total bank equity capital
$856Perpetual preferred stock
$0Common stock
$50Surplus
$200Undivided profits
Memoranda
$606Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1Income earned, not collected on loans
$72Earning assets
$4,666Long-term assets (5+ years)
$150Average Assets, year-to-date
$5,669Average Assets, quarterly
$5,521Volatile liabilities
$400Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$181Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$856Total risk weighted assets
$2,544Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$396Total interest expense
$129Net interest income
$267Provision for loan and lease losses
$88Total noninterest income
$23Fiduciary activities
$0Service charges on deposit accounts
$15Trading account gains & fees
$0Additional noninterest income
$8Total noninterest expense
$168Salaries and employee benefits
$103Premises and equipment expense
$12Additional noninterest expense
$53Pre-tax net operating income
$34Securities gains (losses)
$0Applicable income taxes
-$4Income before extraordinary items
$38Extraordinary gains - net
$0Net income attributable to bank
$38Net charge-offs
$108Cash dividends
$20Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.64%Cost of funding earning assets
2.49%Net interest margin
5.15%Noninterest income to earning assets
0.44%Noninterest expense to earning assets
3.24%Net operating income to assets
0.67%Return on assets (ROA)
0.67%Pretax return on assets
0.60%Return on equity (ROE)
4.41%Retained earnings to average equity (YTD only)
2.09%Net charge-offs to loans
4.37%Credit loss provision to net charge-offs
81.48%Efficiency ratio
57,931Assets per employee
1.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.63%Loss allowance to loans
0.57%Loss allowance to noncurrent loans
1300.00%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.04%Net loans and leases to deposits
52.56%Net loans and leases to core deposits
57.93%Equity capital to assets
16.51%Core capital (leverage) ratio
14.97%Tier 1 risk-based capital ratio
33.65%Total risk-based capital ratio
Memoranda
$34Average assets
$5,669Average earning assets
$862Average equity
$5,183Average loans

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