Rio Grande Savings and Loan Association in city_name, state_name

Rio Grande Savings and Loan Association in Monte Vista, Colorado (CO)
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Rio Grande Savings and Loan Association - Overview

General
FDIC Certificate #: 28315
Status: Active
Federal Reserve ID: 256076
Date Established: January 01, 1905
WWW: http://www.rgsla.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 1351
FDIC's unique #: 41149
Numeric code: 36
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: September 17, 1951
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: 901 1st Avenue, Monte Vista, CO 81144
County: Rio Grande
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
Change in Primary Regulatory Agency
Financial Summary
Total assets: $96.9 mil
Equity capital: $10.1 mil
Deposits held in domestic offices: $86.4 mil
Return on assets (ROA): 0.30% ($0.3 mil)
Quarterly return on assets: 0.19% ($0.2 mil)
Return on Equity (ROE): 2.90% ($0.3 mil)
Quarterly return on equity: 1.82% ($0.2 mil)
Net income: $0.3 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.50% ($484.7 mil)
Quarterly Pretax return on assets: 0.47% ($455.6 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
31Total employees (full-time equivalent)
$96,938Total assets
$18,234Cash and due from depository institutions
$17,222Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$73,610Net loans & leases
$249Loan loss allowance
$0Trading account assets
$3,319Bank premises and fixed assets
$943Other real estate owned
$0Goodwill and other intangibles
$96,936Life insurance assets
$832All other assets
$86,795Total liabilities and capital
$86,409Total liabilities
$80,595Total deposits
$86,409Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$386Subordinated debt
$10,141All other liabilities
$10,141Total equity capital
$10,141Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$10,141Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$840Income earned, not collected on loans
$0Earning assets
$292Long-term assets (5+ years)
$90,832Average Assets, year-to-date
$0Average Assets, quarterly
$97,641Volatile liabilities
$96,781Insider loans
$51,569FHLB advances
$96,938Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,141Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$446Restructured Loans and leases
$529Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,490Total interest income
$819Total interest expense
$3,671Net interest income
$191Provision for loan and lease losses
$370Total noninterest income
$0Fiduciary activities
$273Service charges on deposit accounts
$0Trading account gains & fees
$97Additional noninterest income
$3,358Total noninterest expense
$1,911Salaries and employee benefits
$811Premises and equipment expense
$636Additional noninterest expense
$492Pre-tax net operating income
$0Securities gains (losses)
$202Applicable income taxes
$290Income before extraordinary items
$0Extraordinary gains - net
$290Net income attributable to bank
$0Net charge-offs
$290Cash dividends
$95Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.92%Yield on earning assets
0.90%Cost of funding earning assets
4.02%Net interest margin
0.41%Noninterest income to earning assets
3.68%Noninterest expense to earning assets
0.30%Net operating income to assets
0.30%Return on assets (ROA)
0.50%Pretax return on assets
2.90%Return on equity (ROE)
2.90%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
201.05%Credit loss provision to net charge-offs
7.19%Efficiency ratio
83,098Assets per employee
3.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.34%Loss allowance to noncurrent loans
29.64%Noncurrent assets plus other real estate owned to assets
1.84%Noncurrent loans to loans
1.14%Net loans and leases to deposits
85.19%Net loans and leases to core deposits
90.53%Equity capital to assets
10.46%Core capital (leverage) ratio
10.46%Tier 1 risk-based capital ratio
19.66%Total risk-based capital ratio
Memoranda
$20Average assets
$97,641Average earning assets
$10,003Average equity
$91,296Average loans

List of branches

3 Colorado Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	41149	Rio Grande Savings And Loan Associat	901 1st Avenue, Monte Vista, CO 81144	January 01, 1905	Full Service Brick and Mortar
100	266642	Mariposa Street Branch	3416 Mariposa Street, Alamosa, CO 81101	January 01, 1905	Full Service Brick and Mortar
101	266643	80 Piedra Road Branch	80 Piedra Road, Pagosa Springs, CO 81147	June 30, 1986	Full Service Brick and Mortar

Rio Grande Savings and Loan Association in Monte Vista, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Rio Grande Savings and Loan Association - 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:

Rio Grande Savings and Loan Association in Monte Vista, Colorado (CO)Overview, Financial Summary, Detailed Financial Reports, Branches

Rio Grande Savings and Loan Association - 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:

Rio Grande Savings and Loan Association in Monte Vista, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches