FDIC Certificate #: 526 Status: Active Federal Reserve ID: 542854 Bank Holding Company (Regulatory Top Holder): Commercial Bancorp (RSSDID: 3108439, Location: Pine Bluffs, WY) Date Established: April 30, 1915 WWW:http://www.bankinwyo.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) FDIC's unique #: 377 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 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: 103 East Second, Pine Bluffs, WY 82082 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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $21.8 mil Equity capital: $1.7 mil Deposits held in domestic offices: $20.0 mil Return on assets (ROA): -0.61% (-$0.1 mil) Quarterly return on assets: -0.48% (-$0.1 mil) Return on Equity (ROE): -7.43% (-$0.1 mil) Quarterly return on equity: -6.12% (-$0.1 mil) Net income: -$0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.61% (-$133.0 mil) Quarterly Pretax return on assets: -0.48% (-$104.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$21,799Total assets
$6,198Cash and due from depository institutions
$2,475Interest-bearing balances
$4,613Securities
$3,400Federal funds sold & reverse repurchase agreements
$7,024Net loans & leases
$220Loan loss allowance
$0Trading account assets
$187Bank premises and fixed assets
$108Other real estate owned
$0Goodwill and other intangibles
$21,799Life insurance assets
$269All other assets
$20,057Total liabilities and capital
$20,049Total liabilities
$10,759Total deposits
$20,049Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$8Subordinated debt
$1,742All other liabilities
$1,742Total equity capital
$1,742Total bank equity capital
$0Perpetual preferred stock
$40Common stock
$1,160Surplus
$542Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$19Income earned, not collected on loans
$0Earning assets
$112Long-term assets (5+ years)
$17,512Average Assets, year-to-date
$3,741Average Assets, quarterly
$21,441Volatile liabilities
$22,327Insider loans
$11,044FHLB advances
$22,706Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,619Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,280Restructured Loans and leases
$457Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$736Total interest income
$89Total interest expense
$647Net interest income
$85Provision for loan and lease losses
$96Total noninterest income
$0Fiduciary activities
$52Service charges on deposit accounts
$0Trading account gains & fees
$44Additional noninterest income
$799Total noninterest expense
$445Salaries and employee benefits
$89Premises and equipment expense
$265Additional noninterest expense
-$141Pre-tax net operating income
$10Securities gains (losses)
$0Applicable income taxes
-$131Income before extraordinary items
$0Extraordinary gains - net
-$131Net income attributable to bank
$0Net charge-offs
-$131Cash dividends
$56Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.21%Yield on earning assets
0.51%Cost of funding earning assets
3.70%Net interest margin
0.55%Noninterest income to earning assets
4.57%Noninterest expense to earning assets
-0.66%Net operating income to assets
-0.61%Return on assets (ROA)
-0.61%Pretax return on assets
-7.43%Return on equity (ROE)
-7.43%Retained earnings to average equity (YTD only)
0.68%Net charge-offs to loans
151.79%Credit loss provision to net charge-offs
-1.00%Efficiency ratio
107,537Assets per employee
2.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.04%Loss allowance to noncurrent loans
1157.89%Noncurrent assets plus other real estate owned to assets
0.58%Noncurrent loans to loans
0.26%Net loans and leases to deposits
35.03%Net loans and leases to core deposits
35.03%Equity capital to assets
7.99%Core capital (leverage) ratio
7.13%Tier 1 risk-based capital ratio
14.66%Total risk-based capital ratio
Memoranda
$16Average assets
$21,441Average earning assets
$1,762Average equity
$17,472Average loans
List of branches
1 Wyoming Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
377
Farmers State Bank
103 East Second, Pine Bluffs, WY 82082
April 30, 1915
Full Service Brick and Mortar
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