Young Americans Bank in Denver, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Young Americans Bank - Overview

  • General
  • FDIC Certificate #: 27010
    Status: Active
    Federal Reserve ID: 67254
    Bank Holding Company (Regulatory Top Holder): Young Americans Education Foundation (RSSDID: 1840883, Location: Denver, CO)
    Date Established: August 03, 1987
    WWW: http://www.yacenter.org
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 36452
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: August 03, 1987
    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: 3550 East First Avenue, Denver, CO 80206
    County: Denver
    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): Denver, CO (#2080)
    Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
    Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
    Core Based Statistical Area (CBSA): Denver-Aurora-Broomfield, CO (#19740)
    CBSA Metro Statistical Area: Denver-Aurora-Broomfield, CO (#19740)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $14.8 mil
    Equity capital: $1.1 mil
    Deposits held in domestic offices: $13.6 mil
    Return on assets (ROA): -5.92% (-$0.9 mil)
    Quarterly return on assets: -6.38% (-$1.0 mil)
    Return on Equity (ROE): -74.06% (-$0.7 mil)
    Quarterly return on equity: -82.40% (-$0.8 mil)
    Net income: -$0.8 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -5.92% (-$877.1 mil)
    Quarterly Pretax return on assets: -6.38% (-$945.3 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
  • 9Total employees (full-time equivalent)
  • $14,816Total assets
  • $9,212Cash and due from depository institutions
  • $8,807Interest-bearing balances
  • $1,439Securities
  • $4,005Federal funds sold & reverse repurchase agreements
  • $26Net loans & leases
  • $5Loan loss allowance
  • $0Trading account assets
  • $32Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $14,816Life insurance assets
  • $102All other assets
  • $13,682Total liabilities and capital
  • $13,605Total liabilities
  • $11,735Total deposits
  • $13,605Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $77Subordinated debt
  • $1,134All other liabilities
  • $1,134Total equity capital
  • $1,134Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $8,963Surplus
  • $-8,629Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $26Long-term assets (5+ years)
  • $14,277Average Assets, year-to-date
  • $120Average Assets, quarterly
  • $14,217Volatile liabilities
  • $14,421Insider loans
  • $1,177FHLB advances
  • $14,650Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,044Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $59Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $241Total interest income
  • $31Total interest expense
  • $210Net interest income
  • $0Provision for loan and lease losses
  • $35Total noninterest income
  • $0Fiduciary activities
  • $14Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21Additional noninterest income
  • $1,086Total noninterest expense
  • $545Salaries and employee benefits
  • $186Premises and equipment expense
  • $355Additional noninterest expense
  • -$841Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$841Income before extraordinary items
  • $0Extraordinary gains - net
  • -$841Net income attributable to bank
  • $0Net charge-offs
  • -$841Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 1.76%Yield on earning assets
  • 0.23%Cost of funding earning assets
  • 1.53%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 7.93%Noninterest expense to earning assets
  • -5.92%Net operating income to assets
  • -5.92%Return on assets (ROA)
  • -5.92%Pretax return on assets
  • -74.06%Return on equity (ROE)
  • -74.06%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 443,265Assets per employee
  • 1.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 16.13%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 0.19%Net loans and leases to core deposits
  • 0.19%Equity capital to assets
  • 7.65%Core capital (leverage) ratio
  • 7.13%Tier 1 risk-based capital ratio
  • 88.70%Total risk-based capital ratio
  • Memoranda
  • $89Average assets
  • $14,217Average earning assets
  • $1,136Average equity
  • $13,693Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036452Young Americans Bank3550 East First Avenue, Denver, CO 80206August 03, 1987Full Service Brick and Mortar

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