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

  • The Gunnison Bank and Trust Company in Gunnison, Colorado (CO)
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The Gunnison Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 11259
    Status: Active
    Federal Reserve ID: 502559
    Bank Holding Company (Regulatory Top Holder): Lindoe, Inc. (RSSDID: 1052387, Location: Ordway, CO)
    Date Established: December 23, 1910
    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)
    OTS Docket #: 11014
    FDIC's unique #: 7186
    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: 232 West Tomichi Avenue, Gunnison, CO 81230
    County: Gunnison
    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: $70.3 mil
    Equity capital: $6.5 mil
    Deposits held in domestic offices: $62.4 mil
    Return on assets (ROA): 0.04% ($0.0 mil)
    Quarterly return on assets: 0.51% ($0.4 mil)
    Return on Equity (ROE): 0.39% ($0.0 mil)
    Quarterly return on equity: 5.49% ($0.3 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.02% ($14.1 mil)
    Quarterly Pretax return on assets: 0.75% ($527.3 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
  • 23Total employees (full-time equivalent)
  • $70,303Total assets
  • $9,282Cash and due from depository institutions
  • $8,204Interest-bearing balances
  • $11,914Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $44,449Net loans & leases
  • $872Loan loss allowance
  • $0Trading account assets
  • $2,750Bank premises and fixed assets
  • $489Other real estate owned
  • $0Goodwill and other intangibles
  • $70,303Life insurance assets
  • $1,419All other assets
  • $63,848Total liabilities and capital
  • $62,422Total liabilities
  • $45,444Total deposits
  • $62,422Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,217Trading liabilities
  • $0Other borrowed funds
  • $209Subordinated debt
  • $6,455All other liabilities
  • $6,455Total equity capital
  • $6,455Total bank equity capital
  • $0Perpetual preferred stock
  • $510Common stock
  • $2,112Surplus
  • $3,833Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,328Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,463Income earned, not collected on loans
  • $0Earning assets
  • $292Long-term assets (5+ years)
  • $64,567Average Assets, year-to-date
  • $28,654Average Assets, quarterly
  • $68,287Volatile liabilities
  • $69,303Insider loans
  • $48,445FHLB advances
  • $68,589Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,431Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,274Restructured Loans and leases
  • $1,370Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,493Total interest income
  • $754Total interest expense
  • $2,739Net interest income
  • $526Provision for loan and lease losses
  • $308Total noninterest income
  • $0Fiduciary activities
  • $119Service charges on deposit accounts
  • $0Trading account gains & fees
  • $189Additional noninterest income
  • $2,507Total noninterest expense
  • $1,350Salaries and employee benefits
  • $270Premises and equipment expense
  • $887Additional noninterest expense
  • $14Pre-tax net operating income
  • $0Securities gains (losses)
  • -$11Applicable income taxes
  • $25Income before extraordinary items
  • $0Extraordinary gains - net
  • $25Net income attributable to bank
  • $0Net charge-offs
  • $25Cash dividends
  • $904Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.57%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.99%Noninterest expense to earning assets
  • 0.04%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • 0.02%Pretax return on assets
  • 0.39%Return on equity (ROE)
  • 0.39%Retained earnings to average equity (YTD only)
  • 1.92%Net charge-offs to loans
  • 58.19%Credit loss provision to net charge-offs
  • 0.60%Efficiency ratio
  • 82,278Assets per employee
  • 3.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 59.60%Noncurrent assets plus other real estate owned to assets
  • 2.78%Noncurrent loans to loans
  • 3.23%Net loans and leases to deposits
  • 71.21%Net loans and leases to core deposits
  • 83.97%Equity capital to assets
  • 9.18%Core capital (leverage) ratio
  • 9.38%Tier 1 risk-based capital ratio
  • 13.27%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $68,287Average earning assets
  • $6,440Average equity
  • $62,754Average loans

List of branches

  • 2 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07186The Gunnison Bank And Trust Company232 West Tomichi Avenue, Gunnison, CO 81230December 23, 1910Full Service Brick and Mortar
    1224215Crested Butte Branch6th And Gothic, Crested Butte, CO 81224July 24, 1995Full Service Brick and Mortar

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