The First National Bank of Fleming in Fleming, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank of Fleming - Overview

  • General
  • FDIC Certificate #: 3018
    Status: Active
    Federal Reserve ID: 306056
    Bank Holding Company (Regulatory Top Holder): Fleming Community Agency, Inc. (RSSDID: 2561167, Location: Fleming, CO)
    Date Established: January 01, 1917
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 1916
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 N Logan Ave, Fleming, CO 80728
    County: Logan
    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
    Core Based Statistical Area (CBSA): Sterling, CO (#44540)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $21.8 mil
    Equity capital: $2.0 mil
    Deposits held in domestic offices: $19.6 mil
    Return on assets (ROA): 0.69% ($0.2 mil)
    Quarterly return on assets: -0.02% (-$0.0 mil)
    Return on Equity (ROE): 7.83% ($0.2 mil)
    Quarterly return on equity: -0.20% (-$0.0 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 1.02% ($222.6 mil)
    Quarterly Pretax return on assets: 0.35% ($76.4 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
  • 6Total employees (full-time equivalent)
  • $21,826Total assets
  • $960Cash and due from depository institutions
  • $250Interest-bearing balances
  • $1,619Securities
  • $3,740Federal funds sold & reverse repurchase agreements
  • $14,392Net loans & leases
  • $285Loan loss allowance
  • $0Trading account assets
  • $217Bank premises and fixed assets
  • $112Other real estate owned
  • $0Goodwill and other intangibles
  • $21,826Life insurance assets
  • $786All other assets
  • $19,863Total liabilities and capital
  • $19,615Total liabilities
  • $16,843Total deposits
  • $19,615Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $248Subordinated debt
  • $1,963All other liabilities
  • $1,963Total equity capital
  • $1,963Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $864Surplus
  • $699Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $371Income earned, not collected on loans
  • $0Earning assets
  • $251Long-term assets (5+ years)
  • $20,001Average Assets, year-to-date
  • $4,215Average Assets, quarterly
  • $20,780Volatile liabilities
  • $21,467Insider loans
  • $12,284FHLB advances
  • $21,543Loans and leases held for sale
  • $225Unused loan commitments
  • $225Tier 1 (core) risk-based capital
  • $1,963Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,424Restructured Loans and leases
  • $907Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $984Total interest income
  • $204Total interest expense
  • $780Net interest income
  • $45Provision for loan and lease losses
  • $107Total noninterest income
  • $0Fiduciary activities
  • $67Service charges on deposit accounts
  • $0Trading account gains & fees
  • $40Additional noninterest income
  • $631Total noninterest expense
  • $310Salaries and employee benefits
  • $80Premises and equipment expense
  • $241Additional noninterest expense
  • $211Pre-tax net operating income
  • $0Securities gains (losses)
  • $67Applicable income taxes
  • $144Income before extraordinary items
  • $0Extraordinary gains - net
  • $144Net income attributable to bank
  • $0Net charge-offs
  • $144Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.17%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.10%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 3.31%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 7.83%Return on equity (ROE)
  • 7.83%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 450.00%Credit loss provision to net charge-offs
  • 25.60%Efficiency ratio
  • 71,139Assets per employee
  • 3.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 76.82%Noncurrent assets plus other real estate owned to assets
  • 2.21%Noncurrent loans to loans
  • 2.53%Net loans and leases to deposits
  • 73.37%Net loans and leases to core deposits
  • 75.75%Equity capital to assets
  • 8.99%Core capital (leverage) ratio
  • 9.11%Tier 1 risk-based capital ratio
  • 15.98%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $20,780Average earning assets
  • $1,840Average equity
  • $19,043Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01916The First National Bank Of Fleming201 N Logan Ave, Fleming, CO 80728January 01, 1917Full Service Brick and Mortar

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