The Colorado Bank and Trust Company of La Junta in La Junta, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Colorado Bank and Trust Company of La Junta in La Junta, Colorado (CO)
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The Colorado Bank and Trust Company of La Junta - Overview

  • General
  • FDIC Certificate #: 1141
    Status: Active
    Federal Reserve ID: 285151
    Date Established: January 01, 1907
    WWW: http://www.colobank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 779
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 Colorado Avenue, La Junta, CO 81050
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $94.1 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $85.2 mil
    Return on assets (ROA): 0.35% ($0.3 mil)
    Quarterly return on assets: 0.13% ($0.1 mil)
    Return on Equity (ROE): 4.12% ($0.3 mil)
    Quarterly return on equity: 1.53% ($0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.53% ($498.6 mil)
    Quarterly Pretax return on assets: 0.19% ($178.8 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
  • 32Total employees (full-time equivalent)
  • $94,079Total assets
  • $12,065Cash and due from depository institutions
  • $7,880Interest-bearing balances
  • $30,448Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $45,216Net loans & leases
  • $2,555Loan loss allowance
  • $0Trading account assets
  • $3,297Bank premises and fixed assets
  • $370Other real estate owned
  • $0Goodwill and other intangibles
  • $94,079Life insurance assets
  • $2,683All other assets
  • $86,087Total liabilities and capital
  • $85,179Total liabilities
  • $61,067Total deposits
  • $85,179Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $908Subordinated debt
  • $7,992All other liabilities
  • $7,992Total equity capital
  • $7,992Total bank equity capital
  • $0Perpetual preferred stock
  • $550Common stock
  • $1,000Surplus
  • $6,442Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,274Income earned, not collected on loans
  • $482Earning assets
  • $444Long-term assets (5+ years)
  • $83,544Average Assets, year-to-date
  • $4,051Average Assets, quarterly
  • $94,722Volatile liabilities
  • $96,611Insider loans
  • $54,348FHLB advances
  • $97,564Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,608Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,275Restructured Loans and leases
  • $1,278Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,044Total interest income
  • $294Total interest expense
  • $3,750Net interest income
  • $480Provision for loan and lease losses
  • $846Total noninterest income
  • $263Fiduciary activities
  • $264Service charges on deposit accounts
  • $0Trading account gains & fees
  • $319Additional noninterest income
  • $3,617Total noninterest expense
  • $2,150Salaries and employee benefits
  • $564Premises and equipment expense
  • $903Additional noninterest expense
  • $499Pre-tax net operating income
  • $0Securities gains (losses)
  • $169Applicable income taxes
  • $330Income before extraordinary items
  • $0Extraordinary gains - net
  • $330Net income attributable to bank
  • $0Net charge-offs
  • $330Cash dividends
  • $72Sale, conversion, retirement of capital stock, net
  • $165Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 4.42%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 4.27%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 4.12%Return on equity (ROE)
  • 2.06%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 666.67%Credit loss provision to net charge-offs
  • 13.60%Efficiency ratio
  • 78,699Assets per employee
  • 2.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.00%Loss allowance to loans
  • 5.35%Loss allowance to noncurrent loans
  • 78.04%Noncurrent assets plus other real estate owned to assets
  • 3.87%Noncurrent loans to loans
  • 6.85%Net loans and leases to deposits
  • 53.08%Net loans and leases to core deposits
  • 54.59%Equity capital to assets
  • 8.49%Core capital (leverage) ratio
  • 7.80%Tier 1 risk-based capital ratio
  • 14.00%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $94,722Average earning assets
  • $8,011Average equity
  • $84,752Average 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
  • $38,547Managed Assets
  • 1Number of Accounts
  • $20,430Personal trust and agency accounts
  • $20,134Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $296Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 231Number of Accounts
  • $0Personal trust and agency accounts
  • $296Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $18,117Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $5,411Fiduciary accounts held in foreign offices

List of branches

  • 2 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0779The Colorado Bank And Trust Company301 Colorado Avenue, La Junta, CO 81050January 01, 1907Full Service Brick and Mortar
    1447989East U.S. Highway 50 Branch23051 East Highway 50, Pueblo, CO 81006January 19, 2006Full Service Brick and Mortar

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