Yampa Valley Bank in Steamboat Springs, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Yampa Valley Bank in Steamboat Springs, Colorado (CO)
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Yampa Valley Bank - Overview

  • General
  • FDIC Certificate #: 35407
    Status: Active
    Federal Reserve ID: 2806635
    Bank Holding Company (Regulatory Top Holder): Routt County Bancorporation, Inc. (RSSDID: 2942869, Location: Steamboat Springs, CO)
    Date Established: March 27, 2000
    WWW: http://www.yampavalleybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 52378
    FDIC's unique #: 79512
    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: March 27, 2000
    Last Structure Change Effective Date: July 15, 2009
    Last Structure Change Process Date: July 16, 2009
    Last Data Update: July 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 South Lincoln Avenue, Steamboat Springs, CO 80477
    County: Routt
    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
  • Financial Summary
  • Total assets: $174.2 mil
    Equity capital: $16.5 mil
    Deposits held in domestic offices: $152.3 mil
    Return on assets (ROA): 0.53% ($0.9 mil)
    Quarterly return on assets: 0.60% ($1.0 mil)
    Return on Equity (ROE): 6.03% ($1.0 mil)
    Quarterly return on equity: 6.27% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.53% ($923.2 mil)
    Quarterly Pretax return on assets: 0.60% ($1,045.2 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
  • 46Total employees (full-time equivalent)
  • $174,194Total assets
  • $11,961Cash and due from depository institutions
  • $6,087Interest-bearing balances
  • $49,236Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $102,927Net loans & leases
  • $2,509Loan loss allowance
  • $0Trading account assets
  • $8,320Bank premises and fixed assets
  • $143Other real estate owned
  • $0Goodwill and other intangibles
  • $174,194Life insurance assets
  • $1,607All other assets
  • $157,725Total liabilities and capital
  • $152,301Total liabilities
  • $112,357Total deposits
  • $152,301Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 2007.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $417Subordinated debt
  • $16,469All other liabilities
  • $16,469Total equity capital
  • $16,469Total bank equity capital
  • $0Perpetual preferred stock
  • $1,669Common stock
  • $8,629Surplus
  • $6,171Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,021Income earned, not collected on loans
  • $0Earning assets
  • $678Long-term assets (5+ years)
  • $158,250Average Assets, year-to-date
  • $45,327Average Assets, quarterly
  • $171,204Volatile liabilities
  • $173,392Insider loans
  • $118,476FHLB advances
  • $175,132Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,936Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,271Restructured Loans and leases
  • $6,069Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,114Total interest income
  • $988Total interest expense
  • $7,126Net interest income
  • $2,401Provision for loan and lease losses
  • $1,327Total noninterest income
  • $0Fiduciary activities
  • $395Service charges on deposit accounts
  • $0Trading account gains & fees
  • $932Additional noninterest income
  • $5,303Total noninterest expense
  • $3,192Salaries and employee benefits
  • $557Premises and equipment expense
  • $1,554Additional noninterest expense
  • $749Pre-tax net operating income
  • $161Securities gains (losses)
  • $0Applicable income taxes
  • $910Income before extraordinary items
  • $0Extraordinary gains - net
  • $910Net income attributable to bank
  • $0Net charge-offs
  • $910Cash dividends
  • $1,785Sale, conversion, retirement of capital stock, net
  • $530Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 4.55%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 6.03%Return on equity (ROE)
  • 2.52%Retained earnings to average equity (YTD only)
  • 1.68%Net charge-offs to loans
  • 134.51%Credit loss provision to net charge-offs
  • 1.76%Efficiency ratio
  • 62,735Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.24%Loss allowance to loans
  • 2.38%Loss allowance to noncurrent loans
  • 49.97%Noncurrent assets plus other real estate owned to assets
  • 2.96%Noncurrent loans to loans
  • 4.76%Net loans and leases to deposits
  • 67.58%Net loans and leases to core deposits
  • 74.90%Equity capital to assets
  • 9.45%Core capital (leverage) ratio
  • 9.10%Tier 1 risk-based capital ratio
  • 13.45%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $171,204Average earning assets
  • $15,096Average equity
  • $156,529Average loans

List of branches

  • 2 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    079512Yampa Valley Bank600 South Lincoln Avenue, Steamboat Springs, CO 80477March 27, 2000Full Service Brick and Mortar
    1446891Moffat County National Bank Branch435 Mack Lane, Craig, CO 81625July 11, 2005Full Service Brick and Mortar

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