FDIC Certificate #: 27010 Status: Active Federal Reserve ID: 67254 Bank Holding Company (Regulatory Top Holder): Young Americans Education Foundation (RSSDID: 1840883, Location: Denver, CO) Date Established: August 03, 1987 WWW:http://www.yacenter.org Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 36452 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: August 03, 1987 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 3550 East First Avenue, Denver, CO 80206 County: Denver 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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $14.8 mil Equity capital: $1.1 mil Deposits held in domestic offices: $13.6 mil Return on assets (ROA): -5.92% (-$0.9 mil) Quarterly return on assets: -6.38% (-$1.0 mil) Return on Equity (ROE): -74.06% (-$0.7 mil) Quarterly return on equity: -82.40% (-$0.8 mil) Net income: -$0.8 mil Quarterly Net income: -$0.2 mil Pretax return on assets: -5.92% (-$877.1 mil) Quarterly Pretax return on assets: -6.38% (-$945.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$14,816Total assets
$9,212Cash and due from depository institutions
$8,807Interest-bearing balances
$1,439Securities
$4,005Federal funds sold & reverse repurchase agreements
$26Net loans & leases
$5Loan loss allowance
$0Trading account assets
$32Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$14,816Life insurance assets
$102All other assets
$13,682Total liabilities and capital
$13,605Total liabilities
$11,735Total deposits
$13,605Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$77Subordinated debt
$1,134All other liabilities
$1,134Total equity capital
$1,134Total bank equity capital
$0Perpetual preferred stock
$800Common stock
$8,963Surplus
$-8,629Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$26Long-term assets (5+ years)
$14,277Average Assets, year-to-date
$120Average Assets, quarterly
$14,217Volatile liabilities
$14,421Insider loans
$1,177FHLB advances
$14,650Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,044Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$59Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$241Total interest income
$31Total interest expense
$210Net interest income
$0Provision for loan and lease losses
$35Total noninterest income
$0Fiduciary activities
$14Service charges on deposit accounts
$0Trading account gains & fees
$21Additional noninterest income
$1,086Total noninterest expense
$545Salaries and employee benefits
$186Premises and equipment expense
$355Additional noninterest expense
-$841Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$841Income before extraordinary items
$0Extraordinary gains - net
-$841Net income attributable to bank
$0Net charge-offs
-$841Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.76%Yield on earning assets
0.23%Cost of funding earning assets
1.53%Net interest margin
0.26%Noninterest income to earning assets
7.93%Noninterest expense to earning assets
-5.92%Net operating income to assets
-5.92%Return on assets (ROA)
-5.92%Pretax return on assets
-74.06%Return on equity (ROE)
-74.06%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
443,265Assets per employee
1.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
16.13%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
0.19%Net loans and leases to core deposits
0.19%Equity capital to assets
7.65%Core capital (leverage) ratio
7.13%Tier 1 risk-based capital ratio
88.70%Total risk-based capital ratio
Memoranda
$89Average assets
$14,217Average earning assets
$1,136Average equity
$13,693Average loans
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
36452
Young Americans Bank
3550 East First Avenue, Denver, CO 80206
August 03, 1987
Full Service Brick and Mortar
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