First National Bank of the Rockies in city_name, state_name

First National Bank of the Rockies in Grand Junction, Colorado (CO)
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First National Bank of the Rockies routing number info

First National Bank of the Rockies - Overview

General
FDIC Certificate #: 3041
Status: Active
Federal Reserve ID: 338758
Bank Holding Company (Regulatory Top Holder): Fnbr Holding Corporation (RSSDID: 2052601, Location: Grand Junction, CO)
Date Established: October 13, 1904
WWW: http://www.fnbrockies.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 10 (Domestic: 10, Interstate: No)
OTS Docket #: 52446
FDIC's unique #: 1936
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
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: 2452 Highway 6 And 50, Grand Junction, CO 81505
County: Mesa
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): Grand Junction, CO (#2995)
Core Based Statistical Area (CBSA): Grand Junction, CO (#24300)
CBSA Metro Statistical Area: Grand Junction, CO (#24300)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $340.6 mil
Equity capital: $27.8 mil
Deposits held in domestic offices: $308.7 mil
Return on assets (ROA): -0.18% (-$0.6 mil)
Quarterly return on assets: -0.18% (-$0.6 mil)
Return on Equity (ROE): -2.31% (-$0.6 mil)
Quarterly return on equity: -2.19% (-$0.6 mil)
Net income: -$0.6 mil
Quarterly Net income: -$0.2 mil
Pretax return on assets: -0.17% (-$579.0 mil)
Quarterly Pretax return on assets: -0.18% (-$613.0 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
102Total employees (full-time equivalent)
$340,578Total assets
$17,165Cash and due from depository institutions
$5,868Interest-bearing balances
$166,690Securities
$8,000Federal funds sold & reverse repurchase agreements
$116,598Net loans & leases
$4,863Loan loss allowance
$0Trading account assets
$15,090Bank premises and fixed assets
$4,750Other real estate owned
$0Goodwill and other intangibles
$340,578Life insurance assets
$12,285All other assets
$312,818Total liabilities and capital
$308,684Total liabilities
$232,431Total deposits
$308,684Interest-bearing deposits
$80Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$250Trading liabilities
$0Other borrowed funds
$3,884Subordinated debt
$27,760All other liabilities
$27,760Total equity capital
$27,760Total bank equity capital
$0Perpetual preferred stock
$1,651Common stock
$11,301Surplus
$14,808Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$10,942Income earned, not collected on loans
$105Earning assets
$1,228Long-term assets (5+ years)
$297,156Average Assets, year-to-date
$96,021Average Assets, quarterly
$330,391Volatile liabilities
$335,260Insider loans
$194,105FHLB advances
$336,744Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$30,812Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,718Restructured Loans and leases
$250Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,798Total interest income
$1,655Total interest expense
$11,143Net interest income
$1,800Provision for loan and lease losses
$2,819Total noninterest income
$0Fiduciary activities
$907Service charges on deposit accounts
$0Trading account gains & fees
$1,912Additional noninterest income
$13,499Total noninterest expense
$5,441Salaries and employee benefits
$2,585Premises and equipment expense
$5,473Additional noninterest expense
-$1,337Pre-tax net operating income
$770Securities gains (losses)
$37Applicable income taxes
-$604Income before extraordinary items
$0Extraordinary gains - net
-$604Net income attributable to bank
$0Net charge-offs
-$604Cash dividends
$4,238Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.50%Yield on earning assets
0.58%Cost of funding earning assets
3.92%Net interest margin
0.99%Noninterest income to earning assets
4.74%Noninterest expense to earning assets
-0.42%Net operating income to assets
-0.18%Return on assets (ROA)
-0.17%Pretax return on assets
-2.31%Return on equity (ROE)
-2.31%Retained earnings to average equity (YTD only)
3.27%Net charge-offs to loans
42.47%Credit loss provision to net charge-offs
0.11%Efficiency ratio
96,684Assets per employee
3.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.00%Loss allowance to noncurrent loans
44.44%Noncurrent assets plus other real estate owned to assets
4.61%Noncurrent loans to loans
9.01%Net loans and leases to deposits
37.77%Net loans and leases to core deposits
42.10%Equity capital to assets
8.15%Core capital (leverage) ratio
9.15%Tier 1 risk-based capital ratio
15.87%Total risk-based capital ratio
Memoranda
$17Average assets
$330,391Average earning assets
$26,178Average equity
$284,619Average loans

List of branches

10 Colorado Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1936	First National Bank Of The Rockies	2452 Highway 6 And 50, Grand Junction, CO 81505	October 13, 1904	Full Service Brick and Mortar
2	46272	Craig Branch	600 Yampa Avenue, Craig, CO 81625	May 11, 1990	Full Service Brick and Mortar
5	17016	Rangely Branch	222 West Main Street, Rangely, CO 81648	May 16, 1983	Full Service Brick and Mortar
6	13557	Hayden Branch	252 West Jefferson Street, Hayden, CO 81639	November 13, 1967	Full Service Brick and Mortar
7	196043	Meeker Office	504 Main Street, Meeker, CO 81641	June 28, 1999	Full Service Brick and Mortar
8	357580	Oak Creek Branch	200 Sharp, Oak Creek, CO 80467	July 01, 1999	Full Service Brick and Mortar
9	429596	Grand Junction Redlands Branch	431 Power Road, Grand Junction, CO 81503	August 21, 2003	Full Service Brick and Mortar
10	429597	Steamboat Springs Branch	400 Anglers Drive, Steamboat Springs, CO 80477	June 01, 2004	Full Service Brick and Mortar
11	438774	Horizon Drive Branch	685 Horizon Drive, Grand Junction, CO 81505	November 01, 2004	Full Service Brick and Mortar
12	457969	Orchard Mesa Office	2775 Acrin Avenue, Grand Junction, CO 81505	November 27, 2006	Full Service Brick and Mortar

First National Bank of the Rockies in Grand Junction, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of the Rockies - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First National Bank of the Rockies in Grand Junction, Colorado (CO)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of the Rockies - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First National Bank of the Rockies in Grand Junction, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches