United Valley Bank in Estes Park, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 15, 2000

United Valley Bank in Estes Park, Colorado (CO)
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United Valley Bank - Overview

General
FDIC Certificate #: 10411
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: WestStar Bank (#22572)
Federal Reserve ID: 168656
Date Established: Febuary 20, 1908
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 6657
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 15, 2000
Last Structure Change Process Date: November 09, 2000
Last Data Update: November 09, 2000
Data Source Date: April 05, 2012
Location
Address: 363 East Elkhorn Avenue, Estes Park, CO 80517
County: Larimer
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): Fort Collins-Loveland, CO (#2670)
Core Based Statistical Area (CBSA): Fort Collins-Loveland, CO (#22660)
CBSA Metro Statistical Area: Fort Collins-Loveland, CO (#22660)
Financial Summary
Total assets: $81.4 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
28Total employees (full-time equivalent)
$82,578Total assets
$4,480Cash and due from depository institutions
$0Interest-bearing balances
$26,444Securities
$0Federal funds sold & reverse repurchase agreements
$45,944Net loans & leases
$405Loan loss allowance
$0Trading account assets
$2,645Bank premises and fixed assets
$0Other real estate owned
$2,345Goodwill and other intangibles
$0Life insurance assets
$720All other assets
$82,578Total liabilities and capital
$74,467Total liabilities
$73,159Total deposits
$56,138Interest-bearing deposits
$73,159Deposits held in domestic offices
0.00%% insured (estimated)
$955Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$353All other liabilities
$8,111Total equity capital
$8,111Total bank equity capital
$8,111Perpetual preferred stock
$0Common stock
$400Surplus
$1,500Undivided profits
Memoranda
$6,211Noncurrent loans and leases
$5,962Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$208Average Assets, year-to-date
$72,388Average Assets, quarterly
$5,868Volatile liabilities
$83,369Insider loans
$88,158FHLB advances
$4,376Loans and leases held for sale
$1,710Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,962Total unused commitments
$0Restructured Loans and leases
$405Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$6,069Total interest income
$1,977Total interest expense
$4,092Net interest income
$0Provision for loan and lease losses
$855Total noninterest income
$0Fiduciary activities
$488Service charges on deposit accounts
$0Trading account gains & fees
$367Additional noninterest income
$2,390Total noninterest expense
$1,032Salaries and employee benefits
$395Premises and equipment expense
$963Additional noninterest expense
$2,557Pre-tax net operating income
$1Securities gains (losses)
$817Applicable income taxes
$1,741Income before extraordinary items
$0Extraordinary gains - net
$1,741Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$5Sale, conversion, retirement of capital stock, net
$475Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.26%Yield on earning assets
2.69%Cost of funding earning assets
5.57%Net interest margin
1.16%Noninterest income to earning assets
3.25%Noninterest expense to earning assets
2.09%Net operating income to assets
2.09%Return on assets (ROA)
3.07%Pretax return on assets
23.09%Return on equity (ROE)
16.79%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
44,451Assets per employee
2.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
27.28%Loss allowance to loans
0.87%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
62.80%Net loans and leases to core deposits
65.88%Equity capital to assets
9.82%Core capital (leverage) ratio
7.42%Tier 1 risk-based capital ratio
11.62%Total risk-based capital ratio
Memoranda
$12Average assets
$83,369Average earning assets
$7,541Average equity
$73,468Average loans

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