Park State Bank & Trust in Woodland Park, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Park State Bank & Trust - Overview

  • General
  • FDIC Certificate #: 19381
    Status: Active
    Federal Reserve ID: 480059
    Date Established: March 01, 1965
    WWW: http://www.mypsb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 10599
    FDIC's unique #: 13188
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 01, 1965
    Last Structure Change Effective Date: June 05, 2007
    Last Structure Change Process Date: June 07, 2007
    Last Data Update: June 07, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 710 W Hwy 24, Woodland Park, CO 80863
    County: Teller
    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
    Core Based Statistical Area (CBSA): Colorado Springs, CO (#17820)
    CBSA Metro Statistical Area: Colorado Springs, CO (#17820)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $83.6 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $77.7 mil
    Return on assets (ROA): -0.46% (-$0.4 mil)
    Quarterly return on assets: -1.79% (-$1.5 mil)
    Return on Equity (ROE): -7.32% (-$0.4 mil)
    Quarterly return on equity: -26.70% (-$1.6 mil)
    Net income: -$0.4 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -0.46% (-$384.6 mil)
    Quarterly Pretax return on assets: -1.79% (-$1,496.6 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
  • 30Total employees (full-time equivalent)
  • $83,611Total assets
  • $2,476Cash and due from depository institutions
  • $332Interest-bearing balances
  • $17,358Securities
  • $4,455Federal funds sold & reverse repurchase agreements
  • $46,767Net loans & leases
  • $1,250Loan loss allowance
  • $0Trading account assets
  • $4,616Bank premises and fixed assets
  • $7,293Other real estate owned
  • $0Goodwill and other intangibles
  • $83,611Life insurance assets
  • $646All other assets
  • $78,073Total liabilities and capital
  • $77,729Total liabilities
  • $69,101Total deposits
  • $77,729Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $344Subordinated debt
  • $5,538All other liabilities
  • $5,538Total equity capital
  • $5,538Total bank equity capital
  • $0Perpetual preferred stock
  • $2,035Common stock
  • $5,102Surplus
  • $-1,599Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,093Income earned, not collected on loans
  • $0Earning assets
  • $238Long-term assets (5+ years)
  • $68,912Average Assets, year-to-date
  • $24,506Average Assets, quarterly
  • $86,655Volatile liabilities
  • $85,706Insider loans
  • $58,788FHLB advances
  • $85,070Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,385Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,932Restructured Loans and leases
  • $1,261Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,707Total interest income
  • $719Total interest expense
  • $2,988Net interest income
  • $24Provision for loan and lease losses
  • $1,087Total noninterest income
  • $401Fiduciary activities
  • $223Service charges on deposit accounts
  • $0Trading account gains & fees
  • $463Additional noninterest income
  • $5,171Total noninterest expense
  • $1,864Salaries and employee benefits
  • $814Premises and equipment expense
  • $2,493Additional noninterest expense
  • -$1,120Pre-tax net operating income
  • $721Securities gains (losses)
  • $0Applicable income taxes
  • -$399Income before extraordinary items
  • $0Extraordinary gains - net
  • -$399Net income attributable to bank
  • $0Net charge-offs
  • -$399Cash dividends
  • -$10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.15%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.15%Net interest margin
  • 1.51%Noninterest income to earning assets
  • 7.19%Noninterest expense to earning assets
  • -1.29%Net operating income to assets
  • -0.46%Return on assets (ROA)
  • -0.46%Pretax return on assets
  • -7.32%Return on equity (ROE)
  • -7.32%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -240.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 126,896Assets per employee
  • 2.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.60%Loss allowance to noncurrent loans
  • 114.36%Noncurrent assets plus other real estate owned to assets
  • 10.03%Noncurrent loans to loans
  • 2.28%Net loans and leases to deposits
  • 60.17%Net loans and leases to core deposits
  • 61.19%Equity capital to assets
  • 6.62%Core capital (leverage) ratio
  • 6.33%Tier 1 risk-based capital ratio
  • 9.16%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $86,655Average earning assets
  • $5,450Average equity
  • $71,947Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $64,057Managed Assets
  • 1Number of Accounts
  • $63,931Personal trust and agency accounts
  • $48,567Employee benefit-defined contribution accounts
  • $1,117Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $7,220Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $7,027Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 237Number of Accounts
  • $0Personal trust and agency accounts
  • $7,220Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $126Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $126Fiduciary accounts held in foreign offices

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013188Park State Bank & Trust710 W Hwy 24, Woodland Park, CO 80863March 01, 1965Full Service Brick and Mortar

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