Castle Rock Bank in Castle Rock, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Castle Rock Bank in Castle Rock, Colorado (CO)
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Castle Rock Bank routing number info

Castle Rock Bank - Overview

  • General
  • FDIC Certificate #: 90582
    Status: Active
    Federal Reserve ID: 896856
    Bank Holding Company (Regulatory Top Holder): Castle Rock Bank Holding Company (RSSDID: 2135072, Location: Castle Rock, CO)
    Date Established: Febuary 21, 1974
    WWW: http://www.castlerockbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15581
    FDIC's unique #: 18067
    Numeric code: 13
    Regulator: FED
    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: June 17, 1986
    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: 501 Wilcox, Castle Rock, CO 80104
    County: Douglas
    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: $105.3 mil
    Equity capital: $11.3 mil
    Deposits held in domestic offices: $92.9 mil
    Return on assets (ROA): 0.93% ($1.0 mil)
    Quarterly return on assets: 0.48% ($0.5 mil)
    Return on Equity (ROE): 9.04% ($1.0 mil)
    Quarterly return on equity: 4.49% ($0.5 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.93% ($979.0 mil)
    Quarterly Pretax return on assets: 0.48% ($505.3 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
  • 19Total employees (full-time equivalent)
  • $105,273Total assets
  • $10,034Cash and due from depository institutions
  • $9,648Interest-bearing balances
  • $16,352Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $65,608Net loans & leases
  • $2,524Loan loss allowance
  • $0Trading account assets
  • $5,303Bank premises and fixed assets
  • $3,839Other real estate owned
  • $0Goodwill and other intangibles
  • $105,273Life insurance assets
  • $4,137All other assets
  • $93,938Total liabilities and capital
  • $92,870Total liabilities
  • $71,978Total deposits
  • $92,870Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,068Subordinated debt
  • $11,335All other liabilities
  • $11,335Total equity capital
  • $11,335Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $3,200Surplus
  • $8,035Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,343Income earned, not collected on loans
  • $0Earning assets
  • $336Long-term assets (5+ years)
  • $91,608Average Assets, year-to-date
  • $12,793Average Assets, quarterly
  • $103,968Volatile liabilities
  • $104,868Insider loans
  • $71,341FHLB advances
  • $102,829Loans and leases held for sale
  • $2,885Unused loan commitments
  • $1,742Tier 1 (core) risk-based capital
  • $10,959Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,143Total unused commitments
  • $4,389Restructured Loans and leases
  • $2,681Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,677Total interest income
  • $755Total interest expense
  • $3,922Net interest income
  • $225Provision for loan and lease losses
  • $440Total noninterest income
  • $0Fiduciary activities
  • $153Service charges on deposit accounts
  • $0Trading account gains & fees
  • $287Additional noninterest income
  • $3,166Total noninterest expense
  • $1,408Salaries and employee benefits
  • $325Premises and equipment expense
  • $1,433Additional noninterest expense
  • $971Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $971Income before extraordinary items
  • $0Extraordinary gains - net
  • $971Net income attributable to bank
  • $0Net charge-offs
  • $971Cash dividends
  • $219Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.42%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.57%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 9.04%Return on equity (ROE)
  • 9.04%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 102.74%Credit loss provision to net charge-offs
  • 5.46%Efficiency ratio
  • 72,581Assets per employee
  • 5.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.70%Loss allowance to noncurrent loans
  • 107.73%Noncurrent assets plus other real estate owned to assets
  • 5.87%Noncurrent loans to loans
  • 3.44%Net loans and leases to deposits
  • 70.64%Net loans and leases to core deposits
  • 75.10%Equity capital to assets
  • 10.77%Core capital (leverage) ratio
  • 10.66%Tier 1 risk-based capital ratio
  • 15.36%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $103,968Average earning assets
  • $10,742Average equity
  • $88,644Average loans

List of branches

  • 2 Colorado Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    018067Castle Rock Bank501 Wilcox, Castle Rock, CO 80104Febuary 21, 1974Full Service Brick and Mortar
    1440151506 Castle Pines Parkway Branch506 Castle Pines North Pkwy, Castle Pines, CO 80108April 18, 2005Full Service Brick and Mortar

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