Vectra Bank of Boulder in Boulder, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 29, 1996

  • Vectra Bank of Boulder in Boulder, Colorado (CO)
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Vectra Bank of Boulder - Overview

  • General
  • FDIC Certificate #: 24101
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Vectra Bank (#22656)
    Federal Reserve ID: 768551
    Date Established: October 04, 1982
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Interstate: No)
    OTS Docket #: 9115
    FDIC's unique #: 16799
    Numeric code: 13
    Regulator: FED
    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: October 04, 1982
    Last Structure Change Effective Date: Febuary 29, 1996
    Last Structure Change Process Date: March 19, 1996
    Last Data Update: March 19, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1375 Walnut Street, Boulder, CO 80302
    County: Boulder
    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): Boulder-Longmont, CO (#1125)
    Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
    Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
    Core Based Statistical Area (CBSA): Boulder, CO (#14500)
    CBSA Metro Statistical Area: Boulder, CO (#14500)
  • Financial Summary
  • Total assets: $72.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $16Total assets
  • $72,693Cash and due from depository institutions
  • $2,419Interest-bearing balances
  • $6Securities
  • $45,290Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $23,075Loan loss allowance
  • $382Trading account assets
  • $0Bank premises and fixed assets
  • $555Other real estate owned
  • $27Goodwill and other intangibles
  • $1,327Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $72,693Total liabilities
  • $67,600Total deposits
  • $59,302Interest-bearing deposits
  • $44,391Deposits held in domestic offices
  • 59302.00%% insured (estimated)
  • $79Federal funds purchased & repurchase agreements
  • $8,115Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $183Total equity capital
  • $183Total bank equity capital
  • $5,093Perpetual preferred stock
  • $0Common stock
  • $2,750Surplus
  • $1,811Undivided profits
  • Memoranda
  • $532Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $638Income earned, not collected on loans
  • $137Earning assets
  • $68,371Long-term assets (5+ years)
  • $6,104Average Assets, year-to-date
  • $82,290Average Assets, quarterly
  • $76,493Volatile liabilities
  • $9,932Insider loans
  • $5FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $9,939Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,291Total risk weighted assets
  • $36,281Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,005Total interest expense
  • $2,968Net interest income
  • $3,037Provision for loan and lease losses
  • $127Total noninterest income
  • $417Fiduciary activities
  • $0Service charges on deposit accounts
  • $257Trading account gains & fees
  • $0Additional noninterest income
  • $160Total noninterest expense
  • $2,317Salaries and employee benefits
  • $769Premises and equipment expense
  • $246Additional noninterest expense
  • $1,302Pre-tax net operating income
  • $1,010Securities gains (losses)
  • -$269Applicable income taxes
  • $268Income before extraordinary items
  • $473Extraordinary gains - net
  • $0Net income attributable to bank
  • $473Net charge-offs
  • $39Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.73%Cost of funding earning assets
  • 3.82%Net interest margin
  • 3.91%Noninterest income to earning assets
  • 0.54%Noninterest expense to earning assets
  • 2.98%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 0.90%Return on equity (ROE)
  • 11.11%Retained earnings to average equity (YTD only)
  • 11.11%Net charge-offs to loans
  • 0.18%Credit loss provision to net charge-offs
  • 325.64%Efficiency ratio
  • 67,082Assets per employee
  • 4.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 59.87%Noncurrent assets plus other real estate owned to assets
  • 0.91%Noncurrent loans to loans
  • 2.72%Net loans and leases to deposits
  • 38.91%Net loans and leases to core deposits
  • 40.14%Equity capital to assets
  • 7.01%Core capital (leverage) ratio
  • 8.19%Tier 1 risk-based capital ratio
  • 17.34%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $82,290Average earning assets
  • $4,257Average equity
  • $77,637Average loans

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