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


The Dolores State Bank - Overview

  • General
  • FDIC Certificate #: 17959
    Status: Active
    Federal Reserve ID: 63050
    Date Established: January 05, 1959
    WWW: http://www.mydsb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 11892
    Numeric code: 21
    Regulator: FDIC
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 05, 1959
    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: 101 South 6th Street, Dolores, CO 81323
    County: Montezuma
    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: $127.3 mil
    Equity capital: $16.3 mil
    Deposits held in domestic offices: $108.9 mil
    Return on assets (ROA): 1.10% ($1.4 mil)
    Quarterly return on assets: 1.38% ($1.8 mil)
    Return on Equity (ROE): 8.63% ($1.4 mil)
    Quarterly return on equity: 10.71% ($1.7 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.46% ($1,859.0 mil)
    Quarterly Pretax return on assets: 1.43% ($1,820.8 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
  • 33Total employees (full-time equivalent)
  • $127,326Total assets
  • $3,069Cash and due from depository institutions
  • $723Interest-bearing balances
  • $39,535Securities
  • $3,600Federal funds sold & reverse repurchase agreements
  • $70,299Net loans & leases
  • $1,042Loan loss allowance
  • $0Trading account assets
  • $5,975Bank premises and fixed assets
  • $497Other real estate owned
  • $0Goodwill and other intangibles
  • $127,326Life insurance assets
  • $4,351All other assets
  • $110,979Total liabilities and capital
  • $108,911Total liabilities
  • $88,026Total deposits
  • $108,911Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,068Subordinated debt
  • $16,347All other liabilities
  • $16,347Total equity capital
  • $16,347Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $2,100Surplus
  • $14,047Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $277Income earned, not collected on loans
  • $0Earning assets
  • $808Long-term assets (5+ years)
  • $114,157Average Assets, year-to-date
  • $37,758Average Assets, quarterly
  • $123,353Volatile liabilities
  • $127,406Insider loans
  • $76,590FHLB advances
  • $127,686Loans and leases held for sale
  • $2,881Unused loan commitments
  • $2,881Tier 1 (core) risk-based capital
  • $15,581Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,653Restructured Loans and leases
  • $884Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,485Total interest income
  • $620Total interest expense
  • $4,865Net interest income
  • $25Provision for loan and lease losses
  • $503Total noninterest income
  • $0Fiduciary activities
  • $353Service charges on deposit accounts
  • $0Trading account gains & fees
  • $150Additional noninterest income
  • $3,555Total noninterest expense
  • $2,440Salaries and employee benefits
  • $375Premises and equipment expense
  • $740Additional noninterest expense
  • $1,788Pre-tax net operating income
  • $14Securities gains (losses)
  • $443Applicable income taxes
  • $1,359Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,359Net income attributable to bank
  • $0Net charge-offs
  • $1,359Cash dividends
  • $41Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 4.42%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 1.09%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 8.63%Return on equity (ROE)
  • 5.45%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 60.98%Credit loss provision to net charge-offs
  • 44.22%Efficiency ratio
  • 66,226Assets per employee
  • 3.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.79%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 376.17%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 0.39%Net loans and leases to deposits
  • 64.55%Net loans and leases to core deposits
  • 68.85%Equity capital to assets
  • 12.84%Core capital (leverage) ratio
  • 12.20%Tier 1 risk-based capital ratio
  • 20.34%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $123,353Average earning assets
  • $15,752Average equity
  • $110,002Average loans

List of branches

  • 2 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011892The Dolores State Bank101 South 6th Street, Dolores, CO 81323January 05, 1959Full Service Brick and Mortar
    1362839Cortez Branch744 East Main Street, Cortez, CO 81321September 24, 2001Full Service Brick and Mortar

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