FDIC Certificate #: 14372 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank of Omaha (#5452) Federal Reserve ID: 552451 Date Established: May 15, 1934 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 26 (Interstate: No) OTS Docket #: 10597 FDIC's unique #: 8981 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: May 15, 1934 Last Structure Change Effective Date: September 29, 2010 Last Structure Change Process Date: October 13, 2010 Last Data Update: October 13, 2010 Data Source Date: April 05, 2012
Location
Address: 205 West Oak Street, Fort Collins, CO 80521 County: Larimer Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City FDIC Field Office: Denver Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Fort Collins-Loveland, CO (#2670) Core Based Statistical Area (CBSA): Fort Collins-Loveland, CO (#22660) CBSA Metro Statistical Area: Fort Collins-Loveland, CO (#22660)
Financial Summary
Total assets: $1,865.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
694Total employees (full-time equivalent)
$1,942,265Total assets
$220,916Cash and due from depository institutions
$176,597Interest-bearing balances
$146,880Securities
$0Federal funds sold & reverse repurchase agreements
$1,392,482Net loans & leases
$56,193Loan loss allowance
$0Trading account assets
$35,104Bank premises and fixed assets
$30,113Other real estate owned
$39,337Goodwill and other intangibles
$0Life insurance assets
$77,433All other assets
$1,942,265Total liabilities and capital
$1,727,670Total liabilities
$1,663,572Total deposits
$1,262,857Interest-bearing deposits
$1,663,572Deposits held in domestic offices
82.11%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$23,016Other borrowed funds
$25,000Subordinated debt
$16,082All other liabilities
$214,595Total equity capital
$214,595Total bank equity capital
$214,595Perpetual preferred stock
$0Common stock
$1,438Surplus
$188,505Undivided profits
Memoranda
$24,652Noncurrent loans and leases
$322,686Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$124,892Earning assets
$68Long-term assets (5+ years)
$6,807Average Assets, year-to-date
$1,715,959Average Assets, quarterly
$90,126Volatile liabilities
$2,360,181Insider loans
$2,101,199FHLB advances
$325,331Loans and leases held for sale
$1,053Unused loan commitments
$23,016Tier 1 (core) risk-based capital
$49,219Tier 2 risk-based capital
$52,349Total risk weighted assets
$322,686Total unused commitments
$4,790Restructured Loans and leases
$44,193Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$122,062Total interest income
$29,833Total interest expense
$92,229Net interest income
$119,217Provision for loan and lease losses
$61,543Total noninterest income
$6,371Fiduciary activities
$9,923Service charges on deposit accounts
$0Trading account gains & fees
$45,249Additional noninterest income
$95,880Total noninterest expense
$44,436Salaries and employee benefits
$12,314Premises and equipment expense
$39,130Additional noninterest expense
-$61,325Pre-tax net operating income
$826Securities gains (losses)
-$22,938Applicable income taxes
-$37,561Income before extraordinary items
$0Extraordinary gains - net
-$37,561Net income attributable to bank
$0Net charge-offs
-$37,561Cash dividends
$87,242Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.75%Yield on earning assets
1.40%Cost of funding earning assets
4.34%Net interest margin
2.90%Noninterest income to earning assets
4.52%Noninterest expense to earning assets
-1.61%Net operating income to assets
-1.59%Return on assets (ROA)
-2.56%Pretax return on assets
-16.68%Return on equity (ROE)
-16.68%Retained earnings to average equity (YTD only)
4.65%Net charge-offs to loans
136.65%Credit loss provision to net charge-offs
0.66%Efficiency ratio
61,951Assets per employee
2.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.88%Loss allowance to noncurrent loans
44.99%Noncurrent assets plus other real estate owned to assets
7.98%Noncurrent loans to loans
8.62%Net loans and leases to deposits
83.70%Net loans and leases to core deposits
102.52%Equity capital to assets
11.05%Core capital (leverage) ratio
8.87%Tier 1 risk-based capital ratio
11.61%Total risk-based capital ratio
Memoranda
$15Average assets
$2,360,181Average earning assets
$225,229Average equity
$2,123,492Average loans
Total Fiduciary and Related Assets (December 31, 2009)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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