Cache Bank and Trust in city_name, state_name - Detailed Financial Reports, Location

Cache Bank and Trust in Greeley, Colorado (CO)
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Cache Bank and Trust routing number info

Cache Bank and Trust - Overview

General
FDIC Certificate #: 34328
Status: Active
Federal Reserve ID: 2506328
Date Established: October 11, 1996
WWW: http://www.cachebankandtrust.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 57087
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: Commercial Lending Specialization
Date of Deposit Insurance: October 11, 1996
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: 4601 West 20th Street, Greeley, CO 80631
County: Weld
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): Greeley, CO (#3060)
Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
Core Based Statistical Area (CBSA): Greeley, CO (#24540)
CBSA Metro Statistical Area: Greeley, CO (#24540)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $167.3 mil
Equity capital: $14.9 mil
Deposits held in domestic offices: $152.0 mil
Return on assets (ROA): 0.37% ($0.6 mil)
Quarterly return on assets: 0.52% ($0.9 mil)
Return on Equity (ROE): 4.33% ($0.6 mil)
Quarterly return on equity: 5.84% ($0.9 mil)
Net income: $0.6 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.38% ($635.7 mil)
Quarterly Pretax return on assets: 0.47% ($786.3 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
43Total employees (full-time equivalent)
$167,295Total assets
$27,401Cash and due from depository institutions
$25,562Interest-bearing balances
$58,078Securities
$0Federal funds sold & reverse repurchase agreements
$74,518Net loans & leases
$649Loan loss allowance
$0Trading account assets
$4,072Bank premises and fixed assets
$1,043Other real estate owned
$48Goodwill and other intangibles
$167,295Life insurance assets
$2,135All other assets
$152,426Total liabilities and capital
$151,963Total liabilities
$130,853Total deposits
$151,963Interest-bearing deposits
$65Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$463Subordinated debt
$14,869All other liabilities
$14,869Total equity capital
$14,869Total bank equity capital
$0Perpetual preferred stock
$4,231Common stock
$17,408Surplus
$-6,770Undivided 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
$449Long-term assets (5+ years)
$158,158Average Assets, year-to-date
$31,285Average Assets, quarterly
$164,507Volatile liabilities
$167,622Insider loans
$85,769FHLB advances
$161,885Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,115Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,439Restructured Loans and leases
$687Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,058Total interest income
$991Total interest expense
$5,067Net interest income
$92Provision for loan and lease losses
$849Total noninterest income
$420Fiduciary activities
$90Service charges on deposit accounts
$0Trading account gains & fees
$339Additional noninterest income
$5,586Total noninterest expense
$2,942Salaries and employee benefits
$1,072Premises and equipment expense
$1,572Additional noninterest expense
$238Pre-tax net operating income
$392Securities gains (losses)
$17Applicable income taxes
$613Income before extraordinary items
$0Extraordinary gains - net
$613Net income attributable to bank
$0Net charge-offs
$613Cash dividends
$633Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.96%Yield on earning assets
0.65%Cost of funding earning assets
3.31%Net interest margin
0.56%Noninterest income to earning assets
3.65%Noninterest expense to earning assets
0.14%Net operating income to assets
0.37%Return on assets (ROA)
0.38%Pretax return on assets
4.33%Return on equity (ROE)
4.33%Retained earnings to average equity (YTD only)
0.78%Net charge-offs to loans
14.53%Credit loss provision to net charge-offs
0.52%Efficiency ratio
94,422Assets per employee
3.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.86%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.62%Noncurrent loans to loans
0.00%Net loans and leases to deposits
49.04%Net loans and leases to core deposits
55.52%Equity capital to assets
8.89%Core capital (leverage) ratio
8.72%Tier 1 risk-based capital ratio
16.46%Total risk-based capital ratio
Memoranda
$17Average assets
$164,507Average earning assets
$14,169Average equity
$152,925Average 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
$132,636Managed Assets
1Number of Accounts
$67,983Personal trust and agency accounts
$63,025Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$4,352Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$606Fiduciary accounts held in foreign offices
$0Non-managed Assets
631Number of Accounts
$0Personal trust and agency accounts
$4,352Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$64,653Other retirement accounts
$1Corporate trust and agency accounts
$34,598Other fiduciary accounts
$30,034Fiduciary accounts held in foreign offices

List of branches

5 Colorado Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	57087	Cache Bank And Trust	4601 West 20th Street, Greeley, CO 80631	October 11, 1996	Full Service Brick and Mortar
1	360856	Downtown Greeley Branch	924 11th Street, Greeley, CO 80631	June 01, 2001	Full Service Brick and Mortar
2	362853	Downtown Fort Collins Branch	100 South College Avenue, Fort Collins, CO 80524	January 14, 2002	Full Service Brick and Mortar
3	419800	Downtown Denver Branch	410 17th Street, Suite 100, Denver, CO 80202	June 06, 2003	Full Service Brick and Mortar
4	510621	South Fort Collins Branch	4645 Ziegler Road, Fort Collins, CO 80528	September 09, 2009	Full Service Brick and Mortar

Cache Bank and Trust in Greeley, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Cache Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Cache Bank and Trust in Greeley, Colorado (CO)Overview, Financial Summary, Detailed Financial Reports, Branches

Cache Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Cache Bank and Trust in Greeley, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches