FDIC Certificate #: 11261 Status: Active Federal Reserve ID: 399357 Date Established: March 09, 1920 WWW:http://www.mcclavebank.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 #: 7188 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: 101 East First Street, Mcclave, CO 81057 County: Bent 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: $22.7 mil Equity capital: $2.4 mil Deposits held in domestic offices: $20.2 mil Return on assets (ROA): 1.84% ($0.4 mil) Quarterly return on assets: 4.98% ($1.1 mil) Return on Equity (ROE): 19.71% ($0.4 mil) Quarterly return on equity: 49.61% ($1.0 mil) Net income: $0.4 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.84% ($417.0 mil) Quarterly Pretax return on assets: 4.98% ($1,128.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$22,661Total assets
$1,281Cash and due from depository institutions
$747Interest-bearing balances
$4,433Securities
$1,880Federal funds sold & reverse repurchase agreements
$13,954Net loans & leases
$383Loan loss allowance
$0Trading account assets
$480Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$22,661Life insurance assets
$633All other assets
$20,262Total liabilities and capital
$20,217Total liabilities
$18,333Total deposits
$20,217Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$45Subordinated debt
$2,399All other liabilities
$2,399Total equity capital
$2,399Total bank equity capital
$0Perpetual preferred stock
$203Common stock
$1,408Surplus
$788Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$424Long-term assets (5+ years)
$21,014Average Assets, year-to-date
$5,695Average Assets, quarterly
$22,041Volatile liabilities
$22,551Insider loans
$14,485FHLB advances
$22,936Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,202Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,500Restructured Loans and leases
$60Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,215Total interest income
$262Total interest expense
$953Net interest income
-$180Provision for loan and lease losses
$110Total noninterest income
$0Fiduciary activities
$52Service charges on deposit accounts
$0Trading account gains & fees
$58Additional noninterest income
$837Total noninterest expense
$400Salaries and employee benefits
$58Premises and equipment expense
$379Additional noninterest expense
$406Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$406Income before extraordinary items
$0Extraordinary gains - net
$406Net income attributable to bank
$0Net charge-offs
$406Cash dividends
-$173Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.95%Yield on earning assets
1.28%Cost of funding earning assets
4.66%Net interest margin
0.54%Noninterest income to earning assets
4.10%Noninterest expense to earning assets
1.84%Net operating income to assets
1.84%Return on assets (ROA)
1.84%Pretax return on assets
19.71%Return on equity (ROE)
19.71%Retained earnings to average equity (YTD only)
-1.20%Net charge-offs to loans
104.05%Credit loss provision to net charge-offs
0.00%Efficiency ratio
78,739Assets per employee
3.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.67%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
69.02%Net loans and leases to core deposits
75.13%Equity capital to assets
10.59%Core capital (leverage) ratio
9.60%Tier 1 risk-based capital ratio
15.20%Total risk-based capital ratio
Memoranda
$16Average assets
$22,041Average earning assets
$2,060Average equity
$20,430Average loans
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7188
Mcclave State Bank
101 East First Street, Mcclave, CO 81057
March 09, 1920
Full Service Brick and Mortar
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