Home > Western Colorado Bank > Assets and Liabilities
Western Colorado Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 28 | 5,562 |
| Assets and Liabilities | ||
| Total Assets: | $57,891,000 | 6,412 |
| Cash and due from depository institutions | $5,627,000 | 5,562 |
| Interest-bearing balances | $1,755,000 | 2,283 |
| Securities | $6,306,000 | 8,283 |
| Federal funds sold & reverse repurchase agreements | $2,220,000 | 5,572 |
| Net loans & leases | $35,658,000 | 6,109 |
| Loan loss allowance | $451,000 | 5,977 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,984,000 | 3,933 |
| Other real estate owned | $175,000 | 5,562 |
| Goodwill and other intangibles | $5,436,000 | 551 |
| All other assets | $485,000 | 8,253 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $57,891,000 | 6,412 |
| Total liabilities | $48,467,000 | 6,658 |
| Total deposits | $47,787,000 | 6,500 |
| Interest-bearing deposits | $41,182,000 | 6,460 |
| Deposits held in domestic offices | $47,787,000 | 6,498 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $680,000 | 4,696 |
| Total equity capital | $9,424,000 | 4,597 |
| Total bank equity capital | $9,424,000 | 4,597 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $400,000 | 5,212 |
| Surplus | $8,975,000 | 1,745 |
| Undivided profits | $49,000 | 9,652 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $11,000 | 9,019 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $320,000 | 6,322 |
| Earning assets | $45,939,000 | 6,950 |
| Long-term assets (5+ years) | $2,365,000 | 7,511 |
| Average Assets, year-to-date | $47,432,000 | 6,948 |
| Average Assets, quarterly | $53,180,500 | 6,664 |
| Volatile liabilities | $7,901,000 | 5,699 |
| Insider loans | $0 | 9,309 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $4,043,000 | 5,859 |
| Tier 1 (core) risk-based capital | $3,992,000 | 7,810 |
| Tier 2 risk-based capital | $451,000 | 5,567 |
| Total risk weighted assets | $39,536,000 | 5,927 |
| Total unused commitments | $4,043,000 | 5,864 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 26 | 6,085 |
| Assets and Liabilities | ||
| Total Assets: | $40,840,000 | 7,828 |
| Cash and due from depository institutions | $3,761,000 | 6,085 |
| Interest-bearing balances | $2,000,000 | 1,762 |
| Securities | $6,221,000 | 8,740 |
| Federal funds sold & reverse repurchase agreements | $2,280,000 | 4,658 |
| Net loans & leases | $26,792,000 | 7,278 |
| Loan loss allowance | $308,000 | 7,481 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,322,000 | 5,118 |
| Other real estate owned | $19,000 | 6,085 |
| Goodwill and other intangibles | $41,000 | 3,030 |
| All other assets | $405,000 | 9,083 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $40,840,000 | 7,828 |
| Total liabilities | $38,088,000 | 7,635 |
| Total deposits | $37,785,000 | 7,497 |
| Interest-bearing deposits | $31,099,000 | 7,624 |
| Deposits held in domestic offices | $37,785,000 | 7,494 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $303,000 | 7,752 |
| Total equity capital | $2,752,000 | 9,272 |
| Total bank equity capital | $2,752,000 | 9,272 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $400,000 | 5,430 |
| Surplus | $1,237,000 | 6,850 |
| Undivided profits | $1,115,000 | 8,422 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $310,000 | 5,270 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $271,000 | 7,204 |
| Earning assets | $37,293,000 | 7,843 |
| Long-term assets (5+ years) | $2,389,000 | 7,413 |
| Average Assets, year-to-date | $36,759,200 | 8,039 |
| Average Assets, quarterly | $39,284,500 | 7,929 |
| Volatile liabilities | $6,324,000 | 6,436 |
| Insider loans | $101,000 | 8,429 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $4,198,000 | 5,638 |
| Tier 1 (core) risk-based capital | $2,693,000 | 9,238 |
| Tier 2 risk-based capital | $308,000 | 6,965 |
| Total risk weighted assets | $28,541,500 | 7,203 |
| Total unused commitments | $4,198,000 | 5,645 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 22 | 7,084 |
| Assets and Liabilities | ||
| Total Assets: | $34,464,000 | 8,735 |
| Cash and due from depository institutions | $1,708,000 | 7,084 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $6,999,000 | 8,988 |
| Federal funds sold & reverse repurchase agreements | $2,950,000 | 3,910 |
| Net loans & leases | $21,020,000 | 8,254 |
| Loan loss allowance | $227,000 | 8,776 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,351,000 | 5,039 |
| Other real estate owned | $0 | 7,084 |
| Goodwill and other intangibles | $51,000 | 2,816 |
| All other assets | $385,000 | 9,639 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $34,464,000 | 8,735 |
| Total liabilities | $32,180,000 | 8,559 |
| Total deposits | $31,934,000 | 8,421 |
| Interest-bearing deposits | $27,178,000 | 8,447 |
| Deposits held in domestic offices | $31,934,000 | 8,417 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $246,000 | 8,614 |
| Total equity capital | $2,284,000 | 10,030 |
| Total bank equity capital | $2,284,000 | 10,030 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $400,000 | 5,765 |
| Surplus | $1,137,000 | 7,299 |
| Undivided profits | $747,000 | 9,345 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $465,000 | 4,485 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $217,000 | 8,179 |
| Earning assets | $30,969,000 | 8,777 |
| Long-term assets (5+ years) | $2,246,000 | 7,609 |
| Average Assets, year-to-date | $30,931,600 | 8,958 |
| Average Assets, quarterly | $33,868,500 | 8,741 |
| Volatile liabilities | $5,239,000 | 6,953 |
| Insider loans | $1,000 | 10,250 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $2,757,000 | 6,655 |
| Tier 1 (core) risk-based capital | $2,241,000 | 10,027 |
| Tier 2 risk-based capital | $227,000 | 8,230 |
| Total risk weighted assets | $21,673,800 | 8,359 |
| Total unused commitments | $2,757,000 | 6,669 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 26 | 6,632 |
| Assets and Liabilities | ||
| Total Assets: | $26,646,000 | 9,902 |
| Cash and due from depository institutions | $1,141,000 | 6,632 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $5,014,000 | 10,205 |
| Federal funds sold & reverse repurchase agreements | $2,235,000 | 5,230 |
| Net loans & leases | $16,404,000 | 9,277 |
| Loan loss allowance | $184,000 | 9,719 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,371,000 | 4,957 |
| Other real estate owned | $32,000 | 6,632 |
| Goodwill and other intangibles | $72,000 | 2,491 |
| All other assets | $377,000 | 10,075 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $26,646,000 | 9,902 |
| Total liabilities | $24,948,000 | 9,746 |
| Total deposits | $24,678,000 | 9,665 |
| Interest-bearing deposits | $21,025,000 | 9,641 |
| Deposits held in domestic offices | $24,678,000 | 9,662 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $270,000 | 8,694 |
| Total equity capital | $1,698,000 | 11,047 |
| Total bank equity capital | $1,698,000 | 11,047 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $400,000 | 6,077 |
| Surplus | $687,000 | 8,981 |
| Undivided profits | $611,000 | 10,055 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $151,000 | 7,362 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $193,000 | 8,910 |
| Earning assets | $23,653,000 | 9,966 |
| Long-term assets (5+ years) | $1,180,000 | 8,771 |
| Average Assets, year-to-date | $22,212,200 | 10,295 |
| Average Assets, quarterly | $26,080,500 | 9,924 |
| Volatile liabilities | $3,891,000 | 7,750 |
| Insider loans | $329,000 | 6,803 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $1,745,000 | 7,765 |
| Tier 1 (core) risk-based capital | $1,593,000 | 11,123 |
| Tier 2 risk-based capital | $184,000 | 9,141 |
| Total risk weighted assets | $16,476,200 | 9,511 |
| Total unused commitments | $1,745,000 | 7,779 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 11 | 10,449 |
| Assets and Liabilities | ||
| Total Assets: | $18,628,000 | 11,312 |
| Cash and due from depository institutions | $1,210,000 | 10,449 |
| Interest-bearing balances | $300,000 | 3,902 |
| Securities | $3,682,000 | 11,389 |
| Federal funds sold & reverse repurchase agreements | $650,000 | 6,328 |
| Net loans & leases | $12,236,000 | 10,453 |
| Loan loss allowance | $196,000 | 9,950 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $504,000 | 8,464 |
| Other real estate owned | $66,000 | 10,449 |
| Goodwill and other intangibles | $72,000 | 2,411 |
| All other assets | $208,000 | 11,857 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $18,628,000 | 11,312 |
| Total liabilities | $16,997,000 | 11,249 |
| Total deposits | $16,835,000 | 11,149 |
| Interest-bearing deposits | $14,153,000 | 11,142 |
| Deposits held in domestic offices | $16,835,000 | 11,146 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $162,000 | 9,761 |
| Total equity capital | $1,631,000 | 11,440 |
| Total bank equity capital | $1,631,000 | 11,440 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $400,000 | 6,431 |
| Surplus | $687,000 | 9,285 |
| Undivided profits | $544,000 | 10,199 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $12,000 | 10,874 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $136,000 | 9,993 |
| Earning assets | $16,868,000 | 11,283 |
| Long-term assets (5+ years) | $658,000 | 9,919 |
| Average Assets, year-to-date | $18,034,400 | 11,343 |
| Average Assets, quarterly | $18,518,500 | 11,300 |
| Volatile liabilities | $2,148,000 | 9,492 |
| Insider loans | $111,000 | 9,287 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $993,000 | 9,132 |
| Tier 1 (core) risk-based capital | $1,565,000 | 11,590 |
| Tier 2 risk-based capital | $152,690 | 10,091 |
| Total risk weighted assets | $12,171,690 | 10,734 |
| Total unused commitments | $993,000 | 9,143 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 10 | 11,271 |
| Assets and Liabilities | ||
| Total Assets: | $17,551,000 | 11,994 |
| Cash and due from depository institutions | $874,000 | 11,271 |
| Interest-bearing balances | $300,000 | 4,987 |
| Securities | $3,002,000 | 12,160 |
| Federal funds sold & reverse repurchase agreements | $610,000 | 8,786 |
| Net loans & leases | $12,201,000 | 10,726 |
| Loan loss allowance | $200,000 | 10,249 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $524,000 | 8,552 |
| Other real estate owned | $92,000 | 11,271 |
| Goodwill and other intangibles | $82,000 | 2,293 |
| All other assets | $166,000 | 12,612 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $17,551,000 | 11,994 |
| Total liabilities | $16,158,000 | 11,941 |
| Total deposits | $16,027,000 | 11,852 |
| Interest-bearing deposits | $13,537,000 | 11,837 |
| Deposits held in domestic offices | $16,027,000 | 11,851 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $131,000 | 10,827 |
| Total equity capital | $1,393,000 | 12,253 |
| Total bank equity capital | $1,393,000 | 12,253 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $400,000 | 6,744 |
| Surplus | $687,000 | 9,561 |
| Undivided profits | $306,000 | 11,414 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,000 | 12,015 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $133,000 | 9,978 |
| Earning assets | $16,113,000 | 11,927 |
| Long-term assets (5+ years) | $986,000 | 9,984 |
| Average Assets, year-to-date | $17,092,400 | 11,988 |
| Average Assets, quarterly | $17,630,000 | 11,950 |
| Volatile liabilities | $2,188,000 | 9,435 |
| Insider loans | $45,000 | 10,733 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $436,000 | 10,742 |
| Tier 1 (core) risk-based capital | $1,311,000 | 12,351 |
| Tier 2 risk-based capital | $152,090 | 10,402 |
| Total risk weighted assets | $12,119,390 | 11,119 |
| Total unused commitments | $436,000 | 10,755 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 11 | 11,407 |
| Assets and Liabilities | ||
| Total Assets: | $16,328,000 | 12,626 |
| Cash and due from depository institutions | $966,000 | 11,407 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $2,639,000 | 12,743 |
| Federal funds sold & reverse repurchase agreements | $1,400,000 | 7,718 |
| Net loans & leases | $10,323,000 | 11,571 |
| Loan loss allowance | $139,000 | 11,762 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $512,000 | 8,828 |
| Other real estate owned | $238,000 | 11,407 |
| Goodwill and other intangibles | $92,000 | 2,245 |
| All other assets | $158,000 | 13,266 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $16,328,000 | 12,626 |
| Total liabilities | $15,161,000 | 12,546 |
| Total deposits | $15,059,000 | 12,477 |
| Interest-bearing deposits | $12,675,000 | 12,479 |
| Deposits held in domestic offices | $15,059,000 | 12,475 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $102,000 | 12,275 |
| Total equity capital | $1,167,000 | 12,946 |
| Total bank equity capital | $1,167,000 | 12,946 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $400,000 | 7,082 |
| Surplus | $687,000 | 9,743 |
| Undivided profits | $80,000 | 12,284 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $13,000 | 12,399 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $117,000 | 11,006 |
| Earning assets | $14,362,000 | 12,672 |
| Long-term assets (5+ years) | $687,000 | 10,735 |
| Average Assets, year-to-date | $14,554,600 | 12,842 |
| Average Assets, quarterly | $15,988,500 | 12,646 |
| Volatile liabilities | $1,360,000 | 11,075 |
| Insider loans | $47,000 | 7,266 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $269,000 | 11,401 |
| Tier 1 (core) risk-based capital | $1,075,000 | 13,079 |
| Tier 2 risk-based capital | $130,680 | 11,167 |
| Total risk weighted assets | $10,446,180 | 11,949 |
| Total unused commitments | $269,000 | 11,420 |
| Derivatives | $0 | 651 |