FDIC Certificate #: 57363 Status: Active Federal Reserve ID: 3032833 Date Established: August 08, 2002 WWW:http://www.cheyennestatebank.com 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 #: 362542 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: Commercial Lending Specialization Date of Deposit Insurance: August 08, 2002 Last Structure Change Effective Date: November 29, 2007 Last Structure Change Process Date: November 29, 2007 Last Data Update: November 29, 2007 Data Source Date: April 05, 2012
Location
Address: 101 West 19th Street, Cheyenne, WY 82001 County: Laramie 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 Metropolitan Statistical Area (MSA): Cheyenne, WY (#1580) Core Based Statistical Area (CBSA): Cheyenne, WY (#16940) CBSA Metro Statistical Area: Cheyenne, WY (#16940)
Financial Summary
Total assets: $41.1 mil Equity capital: $5.1 mil Deposits held in domestic offices: $35.9 mil Return on assets (ROA): 0.61% ($0.3 mil) Quarterly return on assets: 0.94% ($0.4 mil) Return on Equity (ROE): 5.06% ($0.3 mil) Quarterly return on equity: 7.48% ($0.4 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.94% ($386.3 mil) Quarterly Pretax return on assets: 1.50% ($616.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$41,098Total assets
$4,241Cash and due from depository institutions
$1,078Interest-bearing balances
$2,087Securities
$4,385Federal funds sold & reverse repurchase agreements
$27,776Net loans & leases
$634Loan loss allowance
$0Trading account assets
$1,087Bank premises and fixed assets
$870Other real estate owned
$0Goodwill and other intangibles
$41,098Life insurance assets
$652All other assets
$35,969Total liabilities and capital
$35,885Total liabilities
$30,335Total deposits
$35,885Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$84Subordinated debt
$5,129All other liabilities
$5,129Total equity capital
$5,129Total bank equity capital
$0Perpetual preferred stock
$2,380Common stock
$1,120Surplus
$1,629Undivided profits
Memoranda
$0Noncurrent loans and leases
$184Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$172Income earned, not collected on loans
$0Earning assets
$165Long-term assets (5+ years)
$35,326Average Assets, year-to-date
$2,258Average Assets, quarterly
$41,039Volatile liabilities
$40,602Insider loans
$29,611FHLB advances
$39,706Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,083Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,200Restructured Loans and leases
$1,118Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,114Total interest income
$347Total interest expense
$1,767Net interest income
$267Provision for loan and lease losses
$163Total noninterest income
$0Fiduciary activities
$32Service charges on deposit accounts
$0Trading account gains & fees
$131Additional noninterest income
$1,277Total noninterest expense
$676Salaries and employee benefits
$79Premises and equipment expense
$522Additional noninterest expense
$386Pre-tax net operating income
$0Securities gains (losses)
$135Applicable income taxes
$251Income before extraordinary items
$0Extraordinary gains - net
$251Net income attributable to bank
$0Net charge-offs
$251Cash dividends
$251Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.82%Yield on earning assets
0.95%Cost of funding earning assets
4.86%Net interest margin
0.45%Noninterest income to earning assets
3.51%Noninterest expense to earning assets
0.61%Net operating income to assets
0.61%Return on assets (ROA)
0.94%Pretax return on assets
5.06%Return on equity (ROE)
5.06%Retained earnings to average equity (YTD only)
0.81%Net charge-offs to loans
106.37%Credit loss provision to net charge-offs
2.60%Efficiency ratio
66,166Assets per employee
3.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.23%Loss allowance to noncurrent loans
368.60%Noncurrent assets plus other real estate owned to assets
2.54%Noncurrent loans to loans
0.61%Net loans and leases to deposits
77.40%Net loans and leases to core deposits
80.31%Equity capital to assets
12.48%Core capital (leverage) ratio
12.80%Tier 1 risk-based capital ratio
17.17%Total risk-based capital ratio
Memoranda
$18Average assets
$41,039Average earning assets
$4,963Average equity
$36,343Average loans
List of branches
1 Wyoming Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
362542
Cheyenne State Bank
101 West 19th Street, Cheyenne, WY 82001
August 08, 2002
Full Service Brick and Mortar
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