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

The Pueblo Bank and Trust Company - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 117Total employees (full-time equivalent)
  • $309,637Total assets
  • $37,696Cash and due from depository institutions
  • $32,424Interest-bearing balances
  • $79,759Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $141,768Net loans & leases
  • $6,349Loan loss allowance
  • $0Trading account assets
  • $10,106Bank premises and fixed assets
  • $36,674Other real estate owned
  • $116Goodwill and other intangibles
  • $309,637Life insurance assets
  • $3,518All other assets
  • $275,703Total liabilities and capital
  • $272,760Total liabilities
  • $216,322Total deposits
  • $272,760Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 1300.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,643Subordinated debt
  • $33,934All other liabilities
  • $33,934Total equity capital
  • $33,934Total bank equity capital
  • $0Perpetual preferred stock
  • $1,250Common stock
  • $23,386Surplus
  • $9,298Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,050Income earned, not collected on loans
  • $0Earning assets
  • $930Long-term assets (5+ years)
  • $253,951Average Assets, year-to-date
  • $75,326Average Assets, quarterly
  • $321,416Volatile liabilities
  • $313,016Insider loans
  • $201,542FHLB advances
  • $310,501Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,865Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,230Restructured Loans and leases
  • $5,527Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,755Total interest income
  • $1,104Total interest expense
  • $10,651Net interest income
  • $4,150Provision for loan and lease losses
  • $1,766Total noninterest income
  • $570Fiduciary activities
  • $1,017Service charges on deposit accounts
  • $0Trading account gains & fees
  • $179Additional noninterest income
  • $13,341Total noninterest expense
  • $5,322Salaries and employee benefits
  • $1,556Premises and equipment expense
  • $6,463Additional noninterest expense
  • -$5,074Pre-tax net operating income
  • -$266Securities gains (losses)
  • $0Applicable income taxes
  • -$5,340Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5,340Net income attributable to bank
  • $0Net charge-offs
  • -$5,340Cash dividends
  • $6,515Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 0.41%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 4.97%Noninterest expense to earning assets
  • -1.58%Net operating income to assets
  • -1.66%Return on assets (ROA)
  • -1.66%Pretax return on assets
  • -14.89%Return on equity (ROE)
  • -14.89%Retained earnings to average equity (YTD only)
  • 3.63%Net charge-offs to loans
  • 63.70%Credit loss provision to net charge-offs
  • -0.14%Efficiency ratio
  • 107,023Assets per employee
  • 2.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.29%Loss allowance to noncurrent loans
  • 78.87%Noncurrent assets plus other real estate owned to assets
  • 14.81%Noncurrent loans to loans
  • 5.43%Net loans and leases to deposits
  • 51.98%Net loans and leases to core deposits
  • 52.16%Equity capital to assets
  • 10.96%Core capital (leverage) ratio
  • 10.58%Tier 1 risk-based capital ratio
  • 16.31%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $321,416Average earning assets
  • $35,868Average equity
  • $268,629Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $53,243Managed Assets
  • 1Number of Accounts
  • $47,774Personal trust and agency accounts
  • $32,892Employee benefit-defined contribution accounts
  • $673Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $3,120Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $10,030Other fiduciary accounts
  • $1,059Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 194Number of Accounts
  • $0Personal trust and agency accounts
  • $2,632Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,469Other retirement accounts
  • $593Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $4,876Fiduciary accounts held in foreign offices

List of branches

  • 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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