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

This bank is inactive as of December 17, 1998

  • Lakewood State Bank in Lakewood, Colorado (CO)
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Lakewood State Bank - Overview

  • General
  • FDIC Certificate #: 20893
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Bank & Trust (#14708)
    Federal Reserve ID: 449252
    Date Established: May 22, 1972
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 14437
    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: December 18, 1972
    Last Structure Change Effective Date: December 17, 1998
    Last Structure Change Process Date: Febuary 09, 1999
    Last Data Update: Febuary 09, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 1858 South Wadsworth Boulevard, Lakewood, CO 80226
    County: Jefferson
    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
    Metropolitan Statistical Area (MSA): Denver, CO (#2080)
    Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
    Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
    Core Based Statistical Area (CBSA): Denver-Aurora-Broomfield, CO (#19740)
    CBSA Metro Statistical Area: Denver-Aurora-Broomfield, CO (#19740)
  • Financial Summary
  • Total assets: $44.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $40,807Total assets
  • $1,975Cash and due from depository institutions
  • $0Interest-bearing balances
  • $7,189Securities
  • $5,020Federal funds sold & reverse repurchase agreements
  • $24,222Net loans & leases
  • $364Loan loss allowance
  • $0Trading account assets
  • $2,032Bank premises and fixed assets
  • $158Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $211All other assets
  • $40,807Total liabilities and capital
  • $36,799Total liabilities
  • $36,563Total deposits
  • $26,781Interest-bearing deposits
  • $36,563Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $236All other liabilities
  • $4,008Total equity capital
  • $4,008Total bank equity capital
  • $4,008Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,455Undivided profits
  • Memoranda
  • $1,553Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $31Earning assets
  • $31Long-term assets (5+ years)
  • $135Average Assets, year-to-date
  • $36,431Average Assets, quarterly
  • $2,754Volatile liabilities
  • $38,712Insider loans
  • $39,670FHLB advances
  • $1,917Loans and leases held for sale
  • $430Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,193Total unused commitments
  • $0Restructured Loans and leases
  • $25,737Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $2,968Total interest income
  • $1,018Total interest expense
  • $1,950Net interest income
  • $0Provision for loan and lease losses
  • $477Total noninterest income
  • $0Fiduciary activities
  • $269Service charges on deposit accounts
  • $0Trading account gains & fees
  • $208Additional noninterest income
  • $1,606Total noninterest expense
  • $808Salaries and employee benefits
  • $271Premises and equipment expense
  • $527Additional noninterest expense
  • $821Pre-tax net operating income
  • $0Securities gains (losses)
  • -$240Applicable income taxes
  • $1,061Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,061Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $8Sale, conversion, retirement of capital stock, net
  • $845Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.64%Yield on earning assets
  • 2.96%Cost of funding earning assets
  • 5.68%Net interest margin
  • 1.39%Noninterest income to earning assets
  • 4.68%Noninterest expense to earning assets
  • 2.74%Net operating income to assets
  • 2.74%Return on assets (ROA)
  • 2.12%Pretax return on assets
  • 25.76%Return on equity (ROE)
  • 5.25%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 102.63%Efficiency ratio
  • 66,172Assets per employee
  • 1.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 79.64%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 1174.19%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 66.25%Net loans and leases to core deposits
  • 69.91%Equity capital to assets
  • 9.82%Core capital (leverage) ratio
  • 9.85%Tier 1 risk-based capital ratio
  • 15.57%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $38,712Average earning assets
  • $4,118Average equity
  • $34,338Average loans

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