FDIC Certificate #: 34180 Status: Inactive Closing history: Participated in Reorganization Acquiring institution:Guaranty Bank and Trust Company (#17482) Federal Reserve ID: 2466712 Date Established: May 31, 1996 WWW:http://www.foothillsbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 56838 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: May 31, 1996 Last Structure Change Effective Date: November 01, 2005 Last Structure Change Process Date: November 21, 2005 Last Data Update: November 21, 2005 Data Source Date: April 05, 2012
Location
Address: 4975 Kipling Street, Wheat Ridge, CO 80033 County: Jefferson 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
Merger - Without Assistance
Participated in Reorganization
Financial Summary
Total assets: $137.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
31Total employees (full-time equivalent)
$116,729Total assets
$2,999Cash and due from depository institutions
$2,491Interest-bearing balances
$9,115Securities
$10,320Federal funds sold & reverse repurchase agreements
$88,891Net loans & leases
$1,057Loan loss allowance
$0Trading account assets
$3,766Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,638All other assets
$116,729Total liabilities and capital
$105,932Total liabilities
$105,663Total deposits
$75,948Interest-bearing deposits
$105,663Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$269All other liabilities
$10,797Total equity capital
$10,797Total bank equity capital
$10,797Perpetual preferred stock
$0Common stock
$2,423Surplus
$3,519Undivided profits
Memoranda
$4,855Noncurrent loans and leases
$27,658Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$19Earning assets
$0Long-term assets (5+ years)
$353Average Assets, year-to-date
$110,817Average Assets, quarterly
$37,934Volatile liabilities
$107,761Insider loans
$114,070FHLB advances
$33,169Loans and leases held for sale
$3,272Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$27,658Total unused commitments
$0Restructured Loans and leases
$1,057Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$5,859Total interest income
$1,611Total interest expense
$4,248Net interest income
$110Provision for loan and lease losses
$354Total noninterest income
$0Fiduciary activities
$222Service charges on deposit accounts
$0Trading account gains & fees
$132Additional noninterest income
$3,144Total noninterest expense
$1,895Salaries and employee benefits
$421Premises and equipment expense
$828Additional noninterest expense
$1,348Pre-tax net operating income
$133Securities gains (losses)
$514Applicable income taxes
$967Income before extraordinary items
$0Extraordinary gains - net
$967Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$121Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.85%Yield on earning assets
1.61%Cost of funding earning assets
4.24%Net interest margin
0.35%Noninterest income to earning assets
3.14%Noninterest expense to earning assets
0.82%Net operating income to assets
0.90%Return on assets (ROA)
1.37%Pretax return on assets
9.48%Return on equity (ROE)
9.48%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
90.91%Credit loss provision to net charge-offs
12.05%Efficiency ratio
68,318Assets per employee
3.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.18%Loss allowance to noncurrent loans
5563.16%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.02%Net loans and leases to deposits
84.13%Net loans and leases to core deposits
122.62%Equity capital to assets
9.25%Core capital (leverage) ratio
9.59%Tier 1 risk-based capital ratio
10.77%Total risk-based capital ratio
Memoranda
$12Average assets
$107,761Average earning assets
$10,204Average equity
$100,177Average loans
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