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


The Colorado State Bank of Walsh - Overview

  • General
  • FDIC Certificate #: 11264
    Status: Active
    Federal Reserve ID: 354954
    Bank Holding Company (Regulatory Top Holder): Csb Bancorp, Inc. (RSSDID: 2137375, Location: Walsh, CO)
    Date Established: January 01, 1916
    WWW: http://www.csbwalsh.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 7191
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural 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: 501 Colorado, Walsh, CO 81090
    County: Baca
    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: $42.6 mil
    Equity capital: $6.2 mil
    Deposits held in domestic offices: $36.1 mil
    Return on assets (ROA): 0.96% ($0.4 mil)
    Quarterly return on assets: 0.96% ($0.4 mil)
    Return on Equity (ROE): 6.49% ($0.4 mil)
    Quarterly return on equity: 6.45% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.24% ($528.7 mil)
    Quarterly Pretax return on assets: 1.24% ($528.7 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
  • 11Total employees (full-time equivalent)
  • $42,641Total assets
  • $7,356Cash and due from depository institutions
  • $3,062Interest-bearing balances
  • $14,984Securities
  • $3,800Federal funds sold & reverse repurchase agreements
  • $15,761Net loans & leases
  • $241Loan loss allowance
  • $0Trading account assets
  • $335Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $42,641Life insurance assets
  • $405All other assets
  • $36,412Total liabilities and capital
  • $36,149Total liabilities
  • $30,582Total deposits
  • $36,149Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $263Subordinated debt
  • $6,229All other liabilities
  • $6,229Total equity capital
  • $6,229Total bank equity capital
  • $0Perpetual preferred stock
  • $490Common stock
  • $660Surplus
  • $5,079Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $315Long-term assets (5+ years)
  • $37,607Average Assets, year-to-date
  • $9,016Average Assets, quarterly
  • $40,626Volatile liabilities
  • $41,520Insider loans
  • $22,467FHLB advances
  • $43,773Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,830Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,927Restructured Loans and leases
  • $492Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,636Total interest income
  • $319Total interest expense
  • $1,317Net interest income
  • $0Provision for loan and lease losses
  • $44Total noninterest income
  • $0Fiduciary activities
  • $15Service charges on deposit accounts
  • $0Trading account gains & fees
  • $29Additional noninterest income
  • $859Total noninterest expense
  • $482Salaries and employee benefits
  • $102Premises and equipment expense
  • $275Additional noninterest expense
  • $502Pre-tax net operating income
  • $0Securities gains (losses)
  • $114Applicable income taxes
  • $388Income before extraordinary items
  • $0Extraordinary gains - net
  • $388Net income attributable to bank
  • $0Net charge-offs
  • $388Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $117Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 6.49%Return on equity (ROE)
  • 4.53%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 63,115Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.15%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 43.60%Net loans and leases to core deposits
  • 45.48%Equity capital to assets
  • 14.61%Core capital (leverage) ratio
  • 13.32%Tier 1 risk-based capital ratio
  • 25.95%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $40,626Average earning assets
  • $5,982Average equity
  • $36,363Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07191The Colorado State Bank Of Walsh501 Colorado, Walsh, CO 81090January 01, 1916Full Service Brick and Mortar

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