The Pueblo Bank and Trust Company in Pueblo, Colorado (CO)



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The Pueblo Bank and Trust Company
GeneralFDIC Certificate #: 12594
Status: Active
Federal Reserve ID: 106452
Bank Holding Company (Regulatory Top Holder): Pueblo Bancorporation (RSSDID: 1022997, Location: Pueblo, CO)
Date Established: January 01, 1889
WWW: http://www.pbandt.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Domestic: 10, Interstate: No)
OTS Docket #: 11833
FDIC's unique #: 7997
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 01, 2011
Last Structure Change Process Date: March 01, 2012
Last Data Update: March 01, 2012
Data Source Date: April 05, 2012
LocationAddress: 301 West 5th Street, Pueblo, CO 81002
County: Pueblo
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): Pueblo, CO (#6560)
Core Based Statistical Area (CBSA): Pueblo, CO (#39380)
CBSA Metro Statistical Area: Pueblo, CO (#39380)
Financial SummaryTotal assets: $309.6 mil
Equity capital: $33.9 mil
Deposits held in domestic offices: $272.8 mil
Return on assets (ROA): -1.66% (-$5.1 mil)
Quarterly return on assets: -2.76% (-$8.6 mil)
Return on Equity (ROE): -14.89% (-$5.1 mil)
Quarterly return on equity: -25.49% (-$8.7 mil)
Net income: -$5.3 mil
Quarterly Net income: -$2.2 mil
Pretax return on assets: -1.66% (-$5,140.0 mil)
Quarterly Pretax return on assets: -2.76% (-$8,546.0 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)
Total employees (full-time equivalent)117
Total assets$309,637
Cash and due from depository institutions$37,696
Interest-bearing balances$32,424
Securities$79,759
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$141,768
Loan loss allowance $6,349
Trading account assets$0
Bank premises and fixed assets$10,106
Other real estate owned$36,674
Goodwill and other intangibles$116
All other assets$3,518
Life insurance assets$309,637
Total liabilities and capital$275,703
Total liabilities$272,760
Total deposits$216,322
Interest-bearing deposits$272,760
Deposits held in domestic offices$99
% insured (estimated)1300.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,643
All other liabilities $33,934
Total equity capital$33,934
Total bank equity capital$33,934
Perpetual preferred stock$0
Common stock$1,250
Surplus$23,386
Undivided profits $9,298
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $8,050
Earning assets $0
Long-term assets (5+ years) $930
Average Assets, year-to-date $253,951
Average Assets, quarterly $75,326
Volatile liabilities $321,416
Insider loans $313,016
FHLB advances $201,542
Loans and leases held for sale $310,501
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $32,865
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,230
Derivatives$5,527
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,755
Total interest expense $1,104
Net interest income $10,651
Provision for loan and lease losses $4,150
Total noninterest income $1,766
Fiduciary activities $570
Service charges on deposit accounts $1,017
Trading account gains & fees $0
Additional noninterest income $179
Total noninterest expense $13,341
Salaries and employee benefits $5,322
Premises and equipment expense $1,556
Additional noninterest expense $6,463
Pre-tax net operating income -$5,074
Securities gains (losses) -$266
Applicable income taxes $0
Income before extraordinary items -$5,340
Extraordinary gains - net $0
Net income attributable to bank -$5,340
Net charge-offs $0
Cash dividends -$5,340
Sale, conversion, retirement of capital stock, net $6,515
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.38%
Cost of funding earning assets 0.41%
Net interest margin 3.96%
Noninterest income to earning assets 0.66%
Noninterest expense to earning assets 4.97%
Net operating income to assets -1.58%
Return on assets (ROA) -1.66%
Pretax return on assets -1.66%
Return on equity (ROE) -14.89%
Retained earnings to average equity (YTD only) -14.89%
Net charge-offs to loans 3.63%
Credit loss provision to net charge-offs 63.70%
Efficiency ratio-0.14%
Assets per employee$107,023
Cash dividends to net income (YTD only)2.65%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.29%
Noncurrent assets plus other real estate owned to assets 78.87%
Noncurrent loans to loans 14.81%
Net loans and leases to deposits5.43%
Net loans and leases to core deposits 51.98%
Equity capital to assets 52.16%
Core capital (leverage) ratio 10.96%
Tier 1 risk-based capital ratio 10.58%
Total risk-based capital ratio 16.31%
Memoranda
Average assets$18
Average earning assets$321,416
Average equity $35,868
Average loans $268,629
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$53,243
Number of Accounts1
Personal trust and agency accounts$47,774
Employee benefit-defined contribution accounts$32,892
Employee benefit-defined benefit accounts$673
Other retirement accounts$0
Corporate trust and agency accounts$3,120
Investment management agency accounts$0
Other fiduciary accounts$10,030
Fiduciary accounts held in foreign offices$1,059
Non-managed Assets$0
Number of Accounts194
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$2,632
Employee benefit-defined benefit accounts$0
Other retirement accounts$5,469
Corporate trust and agency accounts$593
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$4,876
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10 Colorado Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07997The Pueblo Bank And Trust Company301 West 5th Street, Pueblo, CO 81002January 01, 1889Full Service Brick and Mortar
1227504Drive-In FacilitySixth Street And Grand Avenue, Pueblo, CO 81003November 27, 1973Limited Service Facility
2227505Jerry Murphy Road Branch2127 Jerry Murphy Road, Pueblo, CO 81001July 26, 1991Full Service Brick and Mortar
3227506Main Street And Canon City Branch1401 Main Street, Canon City, CO 81212June 29, 1992Full Service Brick and Mortar
445402Thatcher Branch200 F Street, Salida, CO 81201June 30, 1988Full Service Brick and Mortar
5227507South Pueblo Branch1217 South Pueblo Boulevard, Pueblo, CO 81005August 18, 1993Full Service Brick and Mortar
6227508Colorado Springs Branch1515 North Academy Boulevard, Colorado Springs, CO 80909October 23, 1995Full Service Brick and Mortar
7227509Colorado Springs Downtown Branch415 East Pikes Peak Avenue, Colorado Springs, CO 80903December 09, 1996Full Service Brick and Mortar
10294969Denver Branch2351 South Colorado, Denver, CO 80222March 23, 2000Full Service Brick and Mortar
12277161Harrison Street Branch600 Harrison Street, Leadville, CO 80461January 01, 1886Full Service Brick and Mortar
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