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

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San Luis Valley Federal Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Financial SummaryTotal 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)
Total employees (full-time equivalent)62
Total assets$236,858
Cash and due from depository institutions$20,020
Interest-bearing balances$12,243
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$153,086
Loan loss allowance $1,414
Trading account assets$0
Bank premises and fixed assets$6,513
Other real estate owned$720
Goodwill and other intangibles$217
All other assets$8,663
Life insurance assets$236,858
Total liabilities and capital$203,470
Total liabilities$198,177
Total deposits$180,258
Interest-bearing deposits$198,177
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,200
Other borrowed funds $0
Subordinated debt $2,093
All other liabilities $33,388
Total equity capital$33,388
Total bank equity capital$33,388
Perpetual preferred stock$0
Common stock$0
Undivided profits $33,388
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,223
Earning assets $97
Long-term assets (5+ years) $1,205
Average Assets, year-to-date $212,968
Average Assets, quarterly $0
Volatile liabilities $222,311
Insider loans $235,857
FHLB advances $132,157
Loans and leases held for sale $236,065
Unused loan commitments $4,746
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $31,334
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,993
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,712
Total interest expense $1,691
Net interest income $9,021
Provision for loan and lease losses $275
Total noninterest income $1,637
Fiduciary activities $0
Service charges on deposit accounts $1,285
Trading account gains & fees $0
Additional noninterest income $352
Total noninterest expense $7,131
Salaries and employee benefits $3,856
Premises and equipment expense $1,684
Additional noninterest expense $1,591
Pre-tax net operating income $3,252
Securities gains (losses) $0
Applicable income taxes $1,054
Income before extraordinary items $2,198
Extraordinary gains - net $0
Net income attributable to bank $2,198
Net charge-offs $0
Cash dividends $2,198
Sale, conversion, retirement of capital stock, net $192
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.31%
Cost of funding earning assets 0.84%
Net interest margin 4.47%
Noninterest income to earning assets 0.81%
Noninterest expense to earning assets 3.54%
Net operating income to assets 0.99%
Return on assets (ROA) 0.99%
Pretax return on assets 1.46%
Return on equity (ROE) 6.85%
Retained earnings to average equity (YTD only) 6.85%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 143.23%
Efficiency ratio18.37%
Assets per employee$66,823
Cash dividends to net income (YTD only)3.82%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.92%
Noncurrent assets plus other real estate owned to assets 63.61%
Noncurrent loans to loans 1.24%
Net loans and leases to deposits1.44%
Net loans and leases to core deposits 77.25%
Equity capital to assets 80.26%
Core capital (leverage) ratio 14.10%
Tier 1 risk-based capital ratio 13.94%
Total risk-based capital ratio 23.71%
Average assets$25
Average earning assets$222,311
Average equity $32,072
Average loans $201,596
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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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