Rocky Ford Federal Savings and Loan Association of Colorado in Rocky Ford, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 2002

  • Rocky Ford Federal Savings and Loan Association of Colorado in Rocky Ford, Colorado (CO)
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Rocky Ford Federal Savings and Loan Association of Colorado - Overview

  • General
  • FDIC Certificate #: 29150
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Banks of Southern Colorado (#3052)
    Federal Reserve ID: 718172
    Date Established: November 01, 1934
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2999
    FDIC's unique #: 41984
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: December 24, 1934
    Last Structure Change Effective Date: June 01, 2002
    Last Structure Change Process Date: June 05, 2002
    Last Data Update: June 05, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 801 Swink Ave, Rocky Ford, CO 81067
    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
  • Financial Summary
  • Total assets: $21.3 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, 2001)

  • Dollar figures in thousands
  • 4Total employees (full-time equivalent)
  • $21,524Total assets
  • $4,421Cash and due from depository institutions
  • $4,140Interest-bearing balances
  • $2,658Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $13,669Net loans & leases
  • $60Loan loss allowance
  • $0Trading account assets
  • $43Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $733All other assets
  • $21,524Total liabilities and capital
  • $15,964Total liabilities
  • $15,332Total deposits
  • $15,269Interest-bearing deposits
  • $15,332Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $632All other liabilities
  • $5,560Total equity capital
  • $5,560Total bank equity capital
  • $5,560Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $1,811Undivided profits
  • Memoranda
  • $3,649Noncurrent loans and leases
  • $507Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $155Earning assets
  • $0Long-term assets (5+ years)
  • $105Average Assets, year-to-date
  • $20,467Average Assets, quarterly
  • $0Volatile liabilities
  • $20,733Insider loans
  • $21,255FHLB advances
  • $1,193Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $507Total unused commitments
  • $0Restructured Loans and leases
  • $395Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $1,439Total interest income
  • $702Total interest expense
  • $737Net interest income
  • $0Provision for loan and lease losses
  • $45Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $45Additional noninterest income
  • $499Total noninterest expense
  • $326Salaries and employee benefits
  • $96Premises and equipment expense
  • $77Additional noninterest expense
  • $283Pre-tax net operating income
  • $0Securities gains (losses)
  • $87Applicable income taxes
  • $196Income before extraordinary items
  • $0Extraordinary gains - net
  • $196Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $49Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.28%Yield on earning assets
  • 3.55%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.23%Noninterest income to earning assets
  • 2.52%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.36%Pretax return on assets
  • 3.55%Return on equity (ROE)
  • 2.66%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 63,811Assets per employee
  • 5.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.00%Loss allowance to loans
  • 0.44%Loss allowance to noncurrent loans
  • 38.71%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 1.13%Net loans and leases to deposits
  • 89.15%Net loans and leases to core deposits
  • 96.68%Equity capital to assets
  • 25.83%Core capital (leverage) ratio
  • 24.18%Tier 1 risk-based capital ratio
  • 55.81%Total risk-based capital ratio
  • Memoranda
  • $60Average assets
  • $20,733Average earning assets
  • $5,522Average equity
  • $19,765Average loans

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