FDIC Certificate #: 12372 Status: Active Federal Reserve ID: 433859 Date Established: January 01, 1899 WWW:http://www.fowlerstatehb.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7867 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization 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: 201 Main Street, Fowler, CO 81039 County: Otero 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $66.4 mil Equity capital: $8.3 mil Deposits held in domestic offices: $57.9 mil Return on assets (ROA): 0.85% ($0.6 mil) Quarterly return on assets: 0.19% ($0.1 mil) Return on Equity (ROE): 6.86% ($0.5 mil) Quarterly return on equity: 1.50% ($0.1 mil) Net income: $0.6 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.12% ($743.8 mil) Quarterly Pretax return on assets: 0.07% ($46.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
12Total employees (full-time equivalent)
$66,415Total assets
$6,371Cash and due from depository institutions
$5,593Interest-bearing balances
$24,710Securities
$2,800Federal funds sold & reverse repurchase agreements
$31,786Net loans & leases
$818Loan loss allowance
$0Trading account assets
$42Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$66,415Life insurance assets
$706All other assets
$58,151Total liabilities and capital
$57,925Total liabilities
$51,791Total deposits
$57,925Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$226Subordinated debt
$8,264All other liabilities
$8,264Total equity capital
$8,264Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$350Surplus
$7,864Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$681Income earned, not collected on loans
$0Earning assets
$511Long-term assets (5+ years)
$64,889Average Assets, year-to-date
$5,758Average Assets, quarterly
$64,959Volatile liabilities
$66,043Insider loans
$35,308FHLB advances
$66,838Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,262Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,755Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,604Total interest income
$545Total interest expense
$2,059Net interest income
$486Provision for loan and lease losses
$378Total noninterest income
$0Fiduciary activities
$286Service charges on deposit accounts
$0Trading account gains & fees
$92Additional noninterest income
$1,223Total noninterest expense
$724Salaries and employee benefits
$119Premises and equipment expense
$380Additional noninterest expense
$728Pre-tax net operating income
$0Securities gains (losses)
$176Applicable income taxes
$552Income before extraordinary items
$0Extraordinary gains - net
$552Net income attributable to bank
$0Net charge-offs
$552Cash dividends
$689Sale, conversion, retirement of capital stock, net
$20Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.11%Yield on earning assets
0.86%Cost of funding earning assets
3.25%Net interest margin
0.60%Noninterest income to earning assets
1.93%Noninterest expense to earning assets
0.85%Net operating income to assets
0.85%Return on assets (ROA)
1.12%Pretax return on assets
6.86%Return on equity (ROE)
6.61%Retained earnings to average equity (YTD only)
2.02%Net charge-offs to loans
70.54%Credit loss provision to net charge-offs
1.76%Efficiency ratio
50,185Assets per employee
5.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
3.62%Loss allowance to loans
2.51%Loss allowance to noncurrent loans
120.12%Noncurrent assets plus other real estate owned to assets
1.03%Noncurrent loans to loans
2.09%Net loans and leases to deposits
54.87%Net loans and leases to core deposits
57.34%Equity capital to assets
12.44%Core capital (leverage) ratio
12.36%Tier 1 risk-based capital ratio
23.40%Total risk-based capital ratio
Memoranda
$25Average assets
$64,959Average earning assets
$8,049Average equity
$63,319Average loans
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7867
Fowler State Bank
201 Main Street, Fowler, CO 81039
January 01, 1899
Full Service Brick and Mortar
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