The Thatcher Bank, FSB in Salida, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 02, 1993

  • The Thatcher Bank, FSB in Salida, Colorado (CO)
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The Thatcher Bank, FSB - Overview

  • General
  • FDIC Certificate #: 32568
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: The Pueblo Bank and Trust Company (#12594)
    Federal Reserve ID: 212250
    Date Established: January 01, 1988
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 8461
    FDIC's unique #: 45402
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1988
    Last Structure Change Effective Date: September 02, 1993
    Last Structure Change Process Date: September 21, 1993
    Last Data Update: January 13, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 F Street, Salida, CO 81202
    County: Chaffee
    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
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $39.7 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $26Total assets
  • $41,009Cash and due from depository institutions
  • $3,001Interest-bearing balances
  • $2,126Securities
  • $5,538Federal funds sold & reverse repurchase agreements
  • $1,250Net loans & leases
  • $28,720Loan loss allowance
  • $1,189Trading account assets
  • $0Bank premises and fixed assets
  • $1,419Other real estate owned
  • $6Goodwill and other intangibles
  • $1,033Life insurance assets
  • $42All other assets
  • $0Total liabilities and capital
  • $41,009Total liabilities
  • $38,887Total deposits
  • $33,665Interest-bearing deposits
  • $28,723Deposits held in domestic offices
  • 33665.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,000Subordinated debt
  • $0All other liabilities
  • $222Total equity capital
  • $222Total bank equity capital
  • $2,122Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $2,000Undivided profits
  • Memoranda
  • $22Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $739Income earned, not collected on loans
  • $185Earning assets
  • $37,634Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $41,040Average Assets, quarterly
  • $41,119Volatile liabilities
  • $8,798Insider loans
  • $0FHLB advances
  • $5,000Loans and leases held for sale
  • $0Unused loan commitments
  • $1,454Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,104Total risk weighted assets
  • $22,273Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,262Total interest expense
  • $1,599Net interest income
  • $1,663Provision for loan and lease losses
  • $72Total noninterest income
  • $681Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $681Total noninterest expense
  • $1,953Salaries and employee benefits
  • $794Premises and equipment expense
  • $630Additional noninterest expense
  • $529Pre-tax net operating income
  • $319Securities gains (losses)
  • -$8Applicable income taxes
  • $0Income before extraordinary items
  • $311Extraordinary gains - net
  • $0Net income attributable to bank
  • $311Net charge-offs
  • $162Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.10%Cost of funding earning assets
  • 4.46%Net interest margin
  • 4.64%Noninterest income to earning assets
  • 1.90%Noninterest expense to earning assets
  • 5.45%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 0.76%Return on equity (ROE)
  • 16.18%Retained earnings to average equity (YTD only)
  • 16.18%Net charge-offs to loans
  • 0.52%Credit loss provision to net charge-offs
  • 44.44%Efficiency ratio
  • 83,319Assets per employee
  • 1.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.98%Loss allowance to noncurrent loans
  • 160.89%Noncurrent assets plus other real estate owned to assets
  • 1.82%Noncurrent loans to loans
  • 2.47%Net loans and leases to deposits
  • 85.31%Net loans and leases to core deposits
  • 96.16%Equity capital to assets
  • 5.17%Core capital (leverage) ratio
  • 5.13%Tier 1 risk-based capital ratio
  • 9.45%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $41,040Average earning assets
  • $1,922Average equity
  • $35,830Average loans

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