Bank of Colorado in Fort Collins, Colorado (CO), NM
| Bank of Colorado | |
|---|---|
| General | FDIC Certificate #: 16980 Status: Active Federal Reserve ID: 255659 Bank Holding Company (Regulatory Top Holder): Pinnacle Bancorp, Inc. (RSSDID: 1053272, Location: Central City, NE) Date Established: January 01, 1900 WWW: http://www.bankofcolorado.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 40 (Domestic: 40, Interstate: Yes) OTS Docket #: 13686 FDIC's unique #: 11054 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 26, 1951 Last Structure Change Effective Date: September 15, 2006 Last Structure Change Process Date: September 15, 2006 Last Data Update: September 15, 2006 Data Source Date: Febuary 17, 2011 |
| Location | Address: 1609 East Harmony Road, Fort Collins, CO 80525 County: Larimer Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City FDIC Field Office: Denver Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West 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: $1,951.9 mil Equity capital: $20.4 mil Deposits held in domestic offices: $1,607.2 mil Return on assets (ROA): 1.01.2029% ($19.7 mil) Quarterly return on assets: 1.01.1984% ($19.7 mil) Return on Equity (ROE): 1.12.1978% ($0.2 mil) Quarterly return on equity: 17.92% ($3.6 mil) Net income: $1.9 mil Quarterly Net income: $0.9 mil Pretax return on assets: 1.01.2029% ($19,714.6 mil) Quarterly Pretax return on assets: 1.01.1984% ($19,714.6 mil) |
| Assets and Liabilities (December 31, 2010) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 453 |
| Total assets | $1,963,927 |
| Cash and due from depository institutions | $39,136 |
| Interest-bearing balances | $2,119 |
| Securities | $603,598 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $1,229,066 |
| Loan loss allowance | $26,813 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $34,043 |
| Other real estate owned | $3,790 |
| Goodwill and other intangibles | $27,976 |
| All other assets | $26,318 |
| Life insurance assets | $507 |
| Total liabilities and capital | $1,963,927 |
| Total liabilities | $1,765,801 |
| Total deposits | $1,623,637 |
| Interest-bearing deposits | $1,487,024 |
| Deposits held in domestic offices | $1,623,637 |
| % insured (estimated) | 72.76% |
| Federal funds purchased & repurchase agreements | $63,505 |
| Trading liabilities | $0 |
| Other borrowed funds | $73,502 |
| Subordinated debt | $0 |
| All other liabilities | $5,157 |
| Total equity capital | $198,126 |
| Total bank equity capital | $198,126 |
| Perpetual preferred stock | $198,126 |
| Common stock | $0 |
| Surplus | $5,000 |
| Undivided profits | $82,229 |
| Memoranda | |
| Noncurrent loans and leases | $110,897 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $195,026 |
| Income earned, not collected on loans | $0 |
| Earning assets | $20,270 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $12,298 |
| Average Assets, quarterly | $1,834,783 |
| Volatile liabilities | $309,416 |
| Insider loans | $1,924,663 |
| FHLB advances | $1,957,934 |
| Loans and leases held for sale | $351,293 |
| Unused loan commitments | $8,894 |
| Tier 1 (core) risk-based capital | $73,502 |
| Tier 2 risk-based capital | $12,945 |
| Total risk weighted assets | $17,803 |
| Total unused commitments | $195,026 |
| Restructured Loans and leases | $7,054 |
| Derivatives | $16,635 |
| Income and Expense (December 31, 2010) (Dollar figures in thousands) | |
| Total interest income | $89,100 |
| Total interest expense | $17,940 |
| Net interest income | $71,160 |
| Provision for loan and lease losses | $10,037 |
| Total noninterest income | $15,679 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $5,870 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $9,809 |
| Total noninterest expense | $49,557 |
| Salaries and employee benefits | $27,768 |
| Premises and equipment expense | $5,454 |
| Additional noninterest expense | $16,335 |
| Pre-tax net operating income | $27,245 |
| Securities gains (losses) | $237 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $27,482 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $27,482 |
| Net charge-offs | $0 |
| Cash dividends | $27,482 |
| Sale, conversion, retirement of capital stock, net | $8,617 |
| Net operating income | $11,000 |
| Performance and Condition Ratios (December 31, 2010) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.96% |
| Cost of funding earning assets | 1.00% |
| Net interest margin | 3.96% |
| Noninterest income to earning assets | 0.87% |
| Noninterest expense to earning assets | 2.76% |
| Net operating income to assets | 1.42% |
| Return on assets (ROA) | 1.43% |
| Pretax return on assets | 1.43% |
| Return on equity (ROE) | 14.15% |
| Retained earnings to average equity (YTD only) | 8.48% |
| Net charge-offs to loans | 0.68% |
| Credit loss provision to net charge-offs | 116.48% |
| Efficiency ratio | 4.33% |
| Assets per employee | $56,411 |
| Cash dividends to net income (YTD only) | 4.34% |
| Condition Ratios (%) | |
| Loss allowance to loans | 40.03% |
| Loss allowance to noncurrent loans | 2.13% |
| Noncurrent assets plus other real estate owned to assets | 132.28% |
| Noncurrent loans to loans | 1.23% |
| Net loans and leases to deposits | 1.61% |
| Net loans and leases to core deposits | 75.70% |
| Equity capital to assets | 91.87% |
| Core capital (leverage) ratio | 10.09% |
| Tier 1 risk-based capital ratio | 8.65% |
| Total risk-based capital ratio | 12.64% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $1,924,663 |
| Average equity | $194,261 |
| Average loans | $1,795,876 |
| Total Fiduciary and Related Assets (December 31, 2001) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $3,618 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $0 |
| Number of Accounts | 33 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $3,618 |
| Corporate trust and agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $3,618 |
| 37 Colorado Branches as of Febuary 17, 2011 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 11054 | Bank Of Colorado | 1609 East Harmony Road, Fort Collins, CO 80525 | January 01, 1900 | Full Service Brick and Mortar |  |
| 1 | 1898 | Brush Branch | 301 Clayton Street, Brush, CO 80723 | January 01, 1902 | Full Service Brick and Mortar |  |
| 3 | 284302 | Sterling Branch | South 3rd And Ash Street, Sterling, CO 80751 | January 01, 1912 | Full Service Brick and Mortar | |
| 6 | 284305 | Holyoke Branch | 106 South Interocean Avenue, Holyoke, CO 80734 | January 01, 1912 | Full Service Brick and Mortar | |
| 7 | 284307 | Yuma Branch | 315 South Main Street, Yuma, CO 80759 | January 01, 1912 | Full Service Brick and Mortar | |
| 8 | 284308 | Akron Branch | 160 Main Street, Akron, CO 80720 | January 01, 1912 | Full Service Brick and Mortar | |
| 9 | 284312 | Fort Morgan Branch | 401 Main Street, Fort Morgan, CO 80701 | January 01, 1912 | Full Service Brick and Mortar | |
| 11 | 239821 | Sterling Drive Up Branch | 329 W Main Street, Sterling, CO 80751 | April 17, 1995 | Limited Service Facility | |
| 13 | 15765 | Windsor West Branch | 1041 West Main Street, Windsor, CO 80550 | January 30, 1978 | Full Service Brick and Mortar | |
| 14 | 39932 | Craig Branch | 250 West Victory Way, Craig, CO 81625 | September 21, 1988 | Full Service Brick and Mortar | |
| 15 | 1913 | Durango Branch | 1199 Main Avenue, Durango, CO 81301 | May 17, 1910 | Full Service Brick and Mortar | |
| 16 | 196011 | Durango Drive Up Branch | 902 E. 2nd Avenue, Durango, CO 81301 | November 18, 1990 | Limited Service Facility | |
| 17 | 196012 | South City Market Branch | 6 Town Plaza, Durango, CO 81301 | November 18, 1996 | Full Service Retail | |
| 19 | 35771 | Estes Park Branch | 533 Big Thompson Avenue, Estes Park, CO 80517 | June 20, 1986 | Full Service Brick and Mortar | |
| 20 | 15313 | Grand Junction Branch | 200 Grand Avenue, Grand Junction, CO 81501 | July 01, 1975 | Full Service Brick and Mortar | |
| 21 | 12602 | Glenwood Springs Branch | 901 Grand Avenue, Glenwood Springs, CO 81601 | April 01, 1963 | Full Service Brick and Mortar | |
| 22 | 254005 | Basalt Branch | 655 East Valley Road, Basalt, CO 81621 | June 10, 1997 | Full Service Brick and Mortar | |
| 23 | 254007 | Patterson Branch | 2903 F Road, Grand Junction, CO 81504 | May 11, 1998 | Full Service Brick and Mortar | |
| 24 | 360656 | Pagosa Springs Branch | 205 Country Center Drive, Pagosa Springs, CO 81147 | May 18, 2001 | Full Service Brick and Mortar | |
| 25 | 363610 | Greeley Branch | 3640 W 10th St, Greeley, CO 80634 | May 06, 2002 | Full Service Brick and Mortar | |
| 26 | 363611 | 7791 Highland Meadows Parkway Branch | 7791 Highland Meadows Parkway, Ste. E, Windsor, CO 80528 | May 06, 2002 | Limited Service Loan Production | |
| 27 | 364818 | Ft Lupton Drive Up | 605 4th St, Fort Lupton, CO 80621 | September 19, 2001 | Limited Service Facility | |
| 28 | 364819 | North City Market Branch | 3130 Main Ave, Durango, CO 81301 | January 31, 2002 | Full Service Retail | |
| 29 | 419203 | Rifle Branch | 1200 Railroad Avenue, Rifle, CO 81650 | May 12, 2003 | Full Service Brick and Mortar | |
| 30 | 430003 | Fort Lupton Branch - S. Rollie Ave. | 111 S. Rollie Avenue, Fort Lupton, CO 80621 | October 24, 2003 | Full Service Brick and Mortar | |
| 31 | 16611 | Edison Branch | 4328 Edison Avenue, Colorado Springs, CO 80915 | March 29, 1982 | Full Service Brick and Mortar | |
| 32 | 256694 | 7olorado Springs Messenger Branch | El Paso County, Colorado Springs, CO 80915 | October 15, 1999 | Limited Service Messenger | |
| 33 | 358787 | Tejon Branch | 421 North Tejon Street, Colorado Springs, CO 80903 | July 17, 2000 | Full Service Brick and Mortar | |
| 37 | 442239 | Ft Collins North Branch - Lincoln Av | 1102 Lincoln Ave, Fort Collins, CO 80524 | April 29, 2005 | Full Service Brick and Mortar | |
| 38 | 442240 | Eaton Branch | 312 Collins St, Eaton, CO 80615 | April 28, 2005 | Full Service Brick and Mortar | |
| 40 | 15533 | Olathe Branch | 500 U.S. Highway 50, Business Loop, Olathe, CO 81425 | August 30, 1976 | Full Service Brick and Mortar | |
| 41 | 254386 | Express Agent Banking Branch | 302 Main Street, Olathe, CO 81425 | November 01, 1993 | Limited Service Messenger | |
| 42 | 254387 | Delta Branch | 145 West 4th Street, Delta, CO 81416 | Febuary 16, 1999 | Full Service Brick and Mortar | |
| 43 | 462143 | Bank Of Colorado | 4848 Thompson Parkway, Johnstown, CO 80534 | March 26, 2007 | Full Service Brick and Mortar | |
| 44 | 465572 | Lakewood Branch | 300 Union Blvd Suite 100, Lakewood, CO 80228 | June 29, 2007 | Full Service Brick and Mortar | |
| 45 | 465573 | Montrose Branch | 512 E Main St, Montrose, CO 81401 | May 07, 2007 | Full Service Brick and Mortar | |
| 47 | 494420 | Internet Branch | 1609 East Harmony Road, Fort Collins, CO 80525 | July 23, 2008 | Full Service Cyber | |
| 3 New Mexico Branches as of Febuary 17, 2011 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 35 | 14847 | Gallup Main Branch | 307 West Aztec Avenue, Gallup, NM 87301 | March 04, 1974 | Full Service Brick and Mortar | |
| 36 | 252915 | Walmart Branch | 1650 West Maloney Avenue, Gallup, NM 87301 | May 19, 1999 | Full Service Retail | |
| 39 | 446027 | Gallup Branch | 1804 East Aztec Avenue, Gallup, NM 87301 | December 05, 2005 | Full Service Brick and Mortar | |
Based on public records. Inadvertent errors are possible.
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