The Byers State Bank in Byers, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 17, 1993

  • The Byers State Bank in Byers, Colorado (CO)
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The Byers State Bank - Overview

  • General
  • FDIC Certificate #: 15013
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The First National Bank of Strasburg (#3058)
    Federal Reserve ID: 624853
    Date Established: December 10, 1910
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 9413
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: Febuary 07, 1935
    Last Structure Change Effective Date: November 17, 1993
    Last Structure Change Process Date: November 29, 1993
    Last Data Update: November 29, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: Highways I-70 And 36, Byers, CO 80103
    County: Arapahoe
    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
    Metropolitan Statistical Area (MSA): Denver, CO (#2080)
    Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
    Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
    Core Based Statistical Area (CBSA): Denver-Aurora-Broomfield, CO (#19740)
    CBSA Metro Statistical Area: Denver-Aurora-Broomfield, CO (#19740)
  • Financial Summary
  • Total assets: $21.5 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $13Total assets
  • $19,907Cash and due from depository institutions
  • $1,567Interest-bearing balances
  • $100Securities
  • $5,284Federal funds sold & reverse repurchase agreements
  • $1,300Net loans & leases
  • $10,884Loan loss allowance
  • $194Trading account assets
  • $0Bank premises and fixed assets
  • $557Other real estate owned
  • $0Goodwill and other intangibles
  • $315Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $19,907Total liabilities
  • $18,547Total deposits
  • $17,389Interest-bearing deposits
  • $14,438Deposits held in domestic offices
  • 17389.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $700Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $210All other liabilities
  • $248Total equity capital
  • $248Total bank equity capital
  • $1,360Perpetual preferred stock
  • $0Common stock
  • $420Surplus
  • $420Undivided profits
  • Memoranda
  • $520Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8Income earned, not collected on loans
  • $168Earning assets
  • $17,568Long-term assets (5+ years)
  • $3,733Average Assets, year-to-date
  • $19,070Average Assets, quarterly
  • $19,472Volatile liabilities
  • $1,848Insider loans
  • $8FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $398Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,360Total risk weighted assets
  • $12,201Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,665Total interest expense
  • $702Net interest income
  • $963Provision for loan and lease losses
  • $62Total noninterest income
  • $240Fiduciary activities
  • $0Service charges on deposit accounts
  • $123Trading account gains & fees
  • $0Additional noninterest income
  • $117Total noninterest expense
  • $863Salaries and employee benefits
  • $413Premises and equipment expense
  • $129Additional noninterest expense
  • $321Pre-tax net operating income
  • $278Securities gains (losses)
  • $7Applicable income taxes
  • $82Income before extraordinary items
  • $203Extraordinary gains - net
  • $0Net income attributable to bank
  • $203Net charge-offs
  • $23Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.77%Cost of funding earning assets
  • 4.12%Net interest margin
  • 5.65%Noninterest income to earning assets
  • 1.41%Noninterest expense to earning assets
  • 5.06%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 1.49%Return on equity (ROE)
  • 16.20%Retained earnings to average equity (YTD only)
  • 16.20%Net charge-offs to loans
  • 0.21%Credit loss provision to net charge-offs
  • 269.57%Efficiency ratio
  • 71,737Assets per employee
  • 1.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 2425.00%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 62.59%Net loans and leases to core deposits
  • 67.02%Equity capital to assets
  • 6.83%Core capital (leverage) ratio
  • 6.98%Tier 1 risk-based capital ratio
  • 11.15%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $19,070Average earning assets
  • $1,253Average equity
  • $17,040Average loans

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