FDIC Certificate #: 3058 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Guaranty Bank and Trust Company (#17482) Federal Reserve ID: 534158 Date Established: March 17, 1917 WWW:http://www.fnbanks.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 6 (Interstate: No) OTS Docket #: 3058 FDIC's unique #: 1947 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: April 16, 2005 Last Structure Change Process Date: May 03, 2005 Last Data Update: May 03, 2005 Data Source Date: April 05, 2012
Location
Address: 56540 East Colfax Avenue, Strasburg, CO 80136 County: Arapahoe 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)
Financial Summary
Total assets: $298.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
82Total employees (full-time equivalent)
$262,571Total assets
$11,806Cash and due from depository institutions
$4Interest-bearing balances
$21,119Securities
$3,000Federal funds sold & reverse repurchase agreements
$212,671Net loans & leases
$3,885Loan loss allowance
$0Trading account assets
$8,004Bank premises and fixed assets
$203Other real estate owned
$983Goodwill and other intangibles
$0Life insurance assets
$4,785All other assets
$262,571Total liabilities and capital
$238,307Total liabilities
$232,632Total deposits
$177,132Interest-bearing deposits
$232,632Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$5,000Other borrowed funds
$0Subordinated debt
$675All other liabilities
$24,264Total equity capital
$24,264Total bank equity capital
$24,264Perpetual preferred stock
$0Common stock
$1,000Surplus
$7,364Undivided profits
Memoranda
$15,900Noncurrent loans and leases
$46,239Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$313Earning assets
$110Long-term assets (5+ years)
$2,007Average Assets, year-to-date
$236,794Average Assets, quarterly
$10,123Volatile liabilities
$266,995Insider loans
$267,596FHLB advances
$45,333Loans and leases held for sale
$1,788Unused loan commitments
$5,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$46,239Total unused commitments
$0Restructured Loans and leases
$2,878Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$16,946Total interest income
$3,299Total interest expense
$13,647Net interest income
$2,199Provision for loan and lease losses
$1,116Total noninterest income
$0Fiduciary activities
$952Service charges on deposit accounts
$0Trading account gains & fees
$164Additional noninterest income
$9,688Total noninterest expense
$5,467Salaries and employee benefits
$1,314Premises and equipment expense
$2,907Additional noninterest expense
$2,876Pre-tax net operating income
$0Securities gains (losses)
$809Applicable income taxes
$2,067Income before extraordinary items
$0Extraordinary gains - net
$2,067Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$497Sale, conversion, retirement of capital stock, net
$6,000Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.95%Yield on earning assets
1.35%Cost of funding earning assets
5.60%Net interest margin
0.46%Noninterest income to earning assets
3.97%Noninterest expense to earning assets
0.77%Net operating income to assets
0.77%Return on assets (ROA)
1.08%Pretax return on assets
7.26%Return on equity (ROE)
-13.81%Retained earnings to average equity (YTD only)
0.23%Net charge-offs to loans
442.45%Credit loss provision to net charge-offs
10.21%Efficiency ratio
65,624Assets per employee
3.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
290.28%Loss allowance to loans
1.79%Loss allowance to noncurrent loans
1241.21%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.14%Net loans and leases to deposits
91.42%Net loans and leases to core deposits
110.59%Equity capital to assets
9.24%Core capital (leverage) ratio
8.60%Tier 1 risk-based capital ratio
10.18%Total risk-based capital ratio
Memoranda
$11Average assets
$266,995Average earning assets
$28,478Average equity
$243,850Average loans
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