FDIC Certificate #: 22639 Status: Active Federal Reserve ID: 547550 Bank Holding Company (Regulatory Top Holder): Rawlins Bankshares, Inc. (RSSDID: 1067701, Location: Rawlins, WY) Date Established: April 20, 1978 WWW:http://www.bocrawlins.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 14721 FDIC's unique #: 15795 Numeric code: 13 Regulator: FED 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: April 20, 1978 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: Third And Buffalo, Rawlins, WY 82301 County: Carbon Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Billings Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $119.8 mil Equity capital: $12.5 mil Deposits held in domestic offices: $106.9 mil Return on assets (ROA): 0.69% ($0.8 mil) Quarterly return on assets: 0.89% ($1.1 mil) Return on Equity (ROE): 6.67% ($0.9 mil) Quarterly return on equity: 8.47% ($1.1 mil) Net income: $0.8 mil Quarterly Net income: $0.3 mil Pretax return on assets: 0.87% ($1,042.3 mil) Quarterly Pretax return on assets: 1.12% ($1,341.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
26Total employees (full-time equivalent)
$119,810Total assets
$9,942Cash and due from depository institutions
$8,390Interest-bearing balances
$63,415Securities
$0Federal funds sold & reverse repurchase agreements
$41,764Net loans & leases
$891Loan loss allowance
$0Trading account assets
$1,544Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$119,810Life insurance assets
$3,145All other assets
$107,305Total liabilities and capital
$106,856Total liabilities
$84,591Total deposits
$106,856Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$449Subordinated debt
$12,505All other liabilities
$12,505Total equity capital
$12,505Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$2,900Surplus
$9,505Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$146Income earned, not collected on loans
$0Earning assets
$570Long-term assets (5+ years)
$113,569Average Assets, year-to-date
$59,942Average Assets, quarterly
$114,832Volatile liabilities
$118,482Insider loans
$52,706FHLB advances
$118,296Loans and leases held for sale
$1,538Unused loan commitments
$1,538Tier 1 (core) risk-based capital
$11,615Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,020Restructured Loans and leases
$1,026Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,286Total interest income
$636Total interest expense
$3,650Net interest income
$476Provision for loan and lease losses
$585Total noninterest income
$0Fiduciary activities
$217Service charges on deposit accounts
$0Trading account gains & fees
$368Additional noninterest income
$2,851Total noninterest expense
$1,533Salaries and employee benefits
$304Premises and equipment expense
$1,014Additional noninterest expense
$908Pre-tax net operating income
$86Securities gains (losses)
$204Applicable income taxes
$790Income before extraordinary items
$0Extraordinary gains - net
$790Net income attributable to bank
$0Net charge-offs
$790Cash dividends
$86Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.96%Yield on earning assets
0.59%Cost of funding earning assets
3.37%Net interest margin
0.54%Noninterest income to earning assets
2.63%Noninterest expense to earning assets
0.63%Net operating income to assets
0.69%Return on assets (ROA)
0.87%Pretax return on assets
6.67%Return on equity (ROE)
6.67%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
553.49%Credit loss provision to net charge-offs
16.09%Efficiency ratio
67,320Assets per employee
4.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.09%Loss allowance to noncurrent loans
610.27%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.34%Net loans and leases to deposits
39.08%Net loans and leases to core deposits
43.06%Equity capital to assets
10.44%Core capital (leverage) ratio
9.82%Tier 1 risk-based capital ratio
22.04%Total risk-based capital ratio
Memoranda
$23Average assets
$114,832Average earning assets
$11,848Average equity
$108,287Average loans
List of branches
1 Wyoming Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15795
Bank Of Commerce
Third And Buffalo, Rawlins, WY 82301
April 20, 1978
Full Service Brick and Mortar
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