FDIC Certificate #: 3018 Status: Active Federal Reserve ID: 306056 Bank Holding Company (Regulatory Top Holder): Fleming Community Agency, Inc. (RSSDID: 2561167, Location: Fleming, CO) Date Established: January 01, 1917 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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1916 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 201 N Logan Ave, Fleming, CO 80728 County: Logan 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 Core Based Statistical Area (CBSA): Sterling, CO (#44540) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $21.8 mil Equity capital: $2.0 mil Deposits held in domestic offices: $19.6 mil Return on assets (ROA): 0.69% ($0.2 mil) Quarterly return on assets: -0.02% (-$0.0 mil) Return on Equity (ROE): 7.83% ($0.2 mil) Quarterly return on equity: -0.20% (-$0.0 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 1.02% ($222.6 mil) Quarterly Pretax return on assets: 0.35% ($76.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$21,826Total assets
$960Cash and due from depository institutions
$250Interest-bearing balances
$1,619Securities
$3,740Federal funds sold & reverse repurchase agreements
$14,392Net loans & leases
$285Loan loss allowance
$0Trading account assets
$217Bank premises and fixed assets
$112Other real estate owned
$0Goodwill and other intangibles
$21,826Life insurance assets
$786All other assets
$19,863Total liabilities and capital
$19,615Total liabilities
$16,843Total deposits
$19,615Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$248Subordinated debt
$1,963All other liabilities
$1,963Total equity capital
$1,963Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$864Surplus
$699Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$371Income earned, not collected on loans
$0Earning assets
$251Long-term assets (5+ years)
$20,001Average Assets, year-to-date
$4,215Average Assets, quarterly
$20,780Volatile liabilities
$21,467Insider loans
$12,284FHLB advances
$21,543Loans and leases held for sale
$225Unused loan commitments
$225Tier 1 (core) risk-based capital
$1,963Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,424Restructured Loans and leases
$907Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$984Total interest income
$204Total interest expense
$780Net interest income
$45Provision for loan and lease losses
$107Total noninterest income
$0Fiduciary activities
$67Service charges on deposit accounts
$0Trading account gains & fees
$40Additional noninterest income
$631Total noninterest expense
$310Salaries and employee benefits
$80Premises and equipment expense
$241Additional noninterest expense
$211Pre-tax net operating income
$0Securities gains (losses)
$67Applicable income taxes
$144Income before extraordinary items
$0Extraordinary gains - net
$144Net income attributable to bank
$0Net charge-offs
$144Cash dividends
$10Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.17%Yield on earning assets
1.07%Cost of funding earning assets
4.10%Net interest margin
0.56%Noninterest income to earning assets
3.31%Noninterest expense to earning assets
0.69%Net operating income to assets
0.69%Return on assets (ROA)
1.02%Pretax return on assets
7.83%Return on equity (ROE)
7.83%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
450.00%Credit loss provision to net charge-offs
25.60%Efficiency ratio
71,139Assets per employee
3.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.94%Loss allowance to noncurrent loans
76.82%Noncurrent assets plus other real estate owned to assets
2.21%Noncurrent loans to loans
2.53%Net loans and leases to deposits
73.37%Net loans and leases to core deposits
75.75%Equity capital to assets
8.99%Core capital (leverage) ratio
9.11%Tier 1 risk-based capital ratio
15.98%Total risk-based capital ratio
Memoranda
$17Average assets
$20,780Average earning assets
$1,840Average equity
$19,043Average loans
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1916
The First National Bank Of Fleming
201 N Logan Ave, Fleming, CO 80728
January 01, 1917
Full Service Brick and Mortar
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