First National Bank in Telluride, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2006

First National Bank in Telluride, Colorado (CO)
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First National Bank - Overview

General
FDIC Certificate #: 33699
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Alpine Bank (#23091)
Federal Reserve ID: 1990751
Date Established: September 25, 1992
WWW: http://www.fnbdirect.com
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Interstate: No)
OTS Docket #: 11392
FDIC's unique #: 47807
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: September 25, 1992
Last Structure Change Effective Date: January 01, 2006
Last Structure Change Process Date: January 18, 2006
Last Data Update: January 18, 2006
Data Source Date: April 05, 2012
Location
Address: 120 South Pine Street, Telluride, CO 81435
County: San Miguel
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: $159.5 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, 2005)

Dollar figures in thousands
42Total employees (full-time equivalent)
$159,486Total assets
$9,251Cash and due from depository institutions
$231Interest-bearing balances
$22,657Securities
$0Federal funds sold & reverse repurchase agreements
$116,699Net loans & leases
$1,014Loan loss allowance
$0Trading account assets
$7,212Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,667All other assets
$159,486Total liabilities and capital
$149,101Total liabilities
$133,403Total deposits
$95,378Interest-bearing deposits
$133,403Deposits held in domestic offices
0.00%% insured (estimated)
$13,309Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,919Other borrowed funds
$0Subordinated debt
$470All other liabilities
$10,385Total equity capital
$10,385Total bank equity capital
$10,385Perpetual preferred stock
$0Common stock
$1,614Surplus
$1,925Undivided profits
Memoranda
$6,846Noncurrent loans and leases
$26,722Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1Earning assets
$0Long-term assets (5+ years)
$681Average Assets, year-to-date
$139,587Average Assets, quarterly
$13,714Volatile liabilities
$142,964Insider loans
$154,411FHLB advances
$29,702Loans and leases held for sale
$35Unused loan commitments
$1,919Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$26,722Total unused commitments
$0Restructured Loans and leases
$1,014Derivatives

Income and Expense (December 31, 2005)

Dollar figures in thousands
$9,124Total interest income
$1,946Total interest expense
$7,178Net interest income
$122Provision for loan and lease losses
$700Total noninterest income
$0Fiduciary activities
$435Service charges on deposit accounts
$0Trading account gains & fees
$265Additional noninterest income
$5,566Total noninterest expense
$3,520Salaries and employee benefits
$465Premises and equipment expense
$1,581Additional noninterest expense
$2,190Pre-tax net operating income
$1Securities gains (losses)
$747Applicable income taxes
$1,444Income before extraordinary items
$0Extraordinary gains - net
$1,444Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$476Net operating income

Performance and Condition Ratios (December 31, 2005)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.22%Yield on earning assets
1.54%Cost of funding earning assets
5.68%Net interest margin
0.55%Noninterest income to earning assets
4.40%Noninterest expense to earning assets
1.01%Net operating income to assets
1.01%Return on assets (ROA)
1.53%Pretax return on assets
14.14%Return on equity (ROE)
9.48%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
70,652Assets per employee
3.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
32.96%Loss allowance to loans
0.86%Loss allowance to noncurrent loans
101400.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
87.48%Net loans and leases to core deposits
99.28%Equity capital to assets
6.51%Core capital (leverage) ratio
6.96%Tier 1 risk-based capital ratio
9.00%Total risk-based capital ratio
Memoranda
$10Average assets
$142,964Average earning assets
$10,210Average equity
$126,436Average loans

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