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

This bank is inactive as of November 10, 1999

  • The First National Bank of Johnstown in Johnstown, Colorado (CO)
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The First National Bank of Johnstown - Overview

  • General
  • FDIC Certificate #: 3030
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Colony Bank (#22864)
    Federal Reserve ID: 567352
    Date Established: December 07, 1904
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 1927
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 10, 1999
    Last Structure Change Process Date: December 03, 1999
    Last Data Update: December 03, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Johnstown Center Drive, Johnstown, CO 80534
    County: Weld
    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): Greeley, CO (#3060)
    Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
    Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
    Core Based Statistical Area (CBSA): Greeley, CO (#24540)
    CBSA Metro Statistical Area: Greeley, CO (#24540)
  • Financial Summary
  • Total assets: $33.5 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 15Total employees (full-time equivalent)
  • $30,105Total assets
  • $1,344Cash and due from depository institutions
  • $0Interest-bearing balances
  • $5,040Securities
  • $4,100Federal funds sold & reverse repurchase agreements
  • $17,717Net loans & leases
  • $193Loan loss allowance
  • $0Trading account assets
  • $1,524Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $380All other assets
  • $30,105Total liabilities and capital
  • $26,877Total liabilities
  • $26,581Total deposits
  • $22,923Interest-bearing deposits
  • $26,581Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $296All other liabilities
  • $3,228Total equity capital
  • $3,228Total bank equity capital
  • $3,228Perpetual preferred stock
  • $0Common stock
  • $550Surplus
  • $850Undivided profits
  • Memoranda
  • $1,828Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $227Earning assets
  • $0Long-term assets (5+ years)
  • $228Average Assets, year-to-date
  • $26,857Average Assets, quarterly
  • $5,351Volatile liabilities
  • $29,189Insider loans
  • $30,025FHLB advances
  • $3,271Loans and leases held for sale
  • $64Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,507Total unused commitments
  • $0Restructured Loans and leases
  • $19,654Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $2,231Total interest income
  • $916Total interest expense
  • $1,315Net interest income
  • $57Provision for loan and lease losses
  • $254Total noninterest income
  • $0Fiduciary activities
  • $154Service charges on deposit accounts
  • $0Trading account gains & fees
  • $100Additional noninterest income
  • $1,294Total noninterest expense
  • $573Salaries and employee benefits
  • $205Premises and equipment expense
  • $516Additional noninterest expense
  • $218Pre-tax net operating income
  • $105Securities gains (losses)
  • $91Applicable income taxes
  • $232Income before extraordinary items
  • $0Extraordinary gains - net
  • $232Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $47Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.58%Yield on earning assets
  • 3.52%Cost of funding earning assets
  • 5.05%Net interest margin
  • 0.98%Noninterest income to earning assets
  • 4.97%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 7.45%Return on equity (ROE)
  • 5.94%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1425.00%Credit loss provision to net charge-offs
  • 68.75%Efficiency ratio
  • 82,473Assets per employee
  • 2.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.26%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 85.02%Noncurrent assets plus other real estate owned to assets
  • 0.75%Noncurrent loans to loans
  • 1.27%Net loans and leases to deposits
  • 66.65%Net loans and leases to core deposits
  • 76.01%Equity capital to assets
  • 10.72%Core capital (leverage) ratio
  • 10.30%Tier 1 risk-based capital ratio
  • 15.94%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $29,189Average earning assets
  • $3,114Average equity
  • $26,015Average loans

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