San Luis Valley Federal Bank in Alamosa, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • San Luis Valley Federal Bank in Alamosa, Colorado (CO)
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San Luis Valley Federal Bank - Overview

  • General
  • FDIC Certificate #: 28208
    Status: Active
    Federal Reserve ID: 945071
    Date Established: January 01, 1899
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 1142
    FDIC's unique #: 41042
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 27, 1934
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 Edison Avenue, Alamosa, CO 81101
    County: Alamosa
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $236.9 mil
    Equity capital: $33.4 mil
    Deposits held in domestic offices: $198.2 mil
    Return on assets (ROA): 0.99% ($2.3 mil)
    Quarterly return on assets: 0.87% ($2.1 mil)
    Return on Equity (ROE): 6.85% ($2.3 mil)
    Quarterly return on equity: 6.22% ($2.1 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.46% ($3,458.1 mil)
    Quarterly Pretax return on assets: 1.27% ($3,008.1 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
  • 62Total employees (full-time equivalent)
  • $236,858Total assets
  • $20,020Cash and due from depository institutions
  • $12,243Interest-bearing balances
  • $47,639Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $153,086Net loans & leases
  • $1,414Loan loss allowance
  • $0Trading account assets
  • $6,513Bank premises and fixed assets
  • $720Other real estate owned
  • $217Goodwill and other intangibles
  • $236,858Life insurance assets
  • $8,663All other assets
  • $203,470Total liabilities and capital
  • $198,177Total liabilities
  • $180,258Total deposits
  • $198,177Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,200Trading liabilities
  • $0Other borrowed funds
  • $2,093Subordinated debt
  • $33,388All other liabilities
  • $33,388Total equity capital
  • $33,388Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $33,388Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,223Income earned, not collected on loans
  • $97Earning assets
  • $1,205Long-term assets (5+ years)
  • $212,968Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $222,311Volatile liabilities
  • $235,857Insider loans
  • $132,157FHLB advances
  • $236,065Loans and leases held for sale
  • $4,746Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $31,334Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,993Restructured Loans and leases
  • $584Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,712Total interest income
  • $1,691Total interest expense
  • $9,021Net interest income
  • $275Provision for loan and lease losses
  • $1,637Total noninterest income
  • $0Fiduciary activities
  • $1,285Service charges on deposit accounts
  • $0Trading account gains & fees
  • $352Additional noninterest income
  • $7,131Total noninterest expense
  • $3,856Salaries and employee benefits
  • $1,684Premises and equipment expense
  • $1,591Additional noninterest expense
  • $3,252Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,054Applicable income taxes
  • $2,198Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,198Net income attributable to bank
  • $0Net charge-offs
  • $2,198Cash dividends
  • $192Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.47%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 6.85%Return on equity (ROE)
  • 6.85%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 143.23%Credit loss provision to net charge-offs
  • 18.37%Efficiency ratio
  • 66,823Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.92%Loss allowance to noncurrent loans
  • 63.61%Noncurrent assets plus other real estate owned to assets
  • 1.24%Noncurrent loans to loans
  • 1.44%Net loans and leases to deposits
  • 77.25%Net loans and leases to core deposits
  • 80.26%Equity capital to assets
  • 14.10%Core capital (leverage) ratio
  • 13.94%Tier 1 risk-based capital ratio
  • 23.71%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $222,311Average earning assets
  • $32,072Average equity
  • $201,596Average loans

List of branches

  • 3 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041042San Luis Valley Federal Bank401 Edison Avenue, Alamosa, CO 81101January 01, 1899Full Service Brick and Mortar
    1002655502nd & Madison Streets Branch1106 2nd Avenue, Monte Vista, CO 81144January 01, 1899Full Service Brick and Mortar
    101461444Alamosa Branch3415 Mariposa St, Alamosa, CO 81101June 30, 2006Full Service Brick and Mortar

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