FDIC Certificate #: 522 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:FirsTier Bank (#17478) Federal Reserve ID: 29159 Date Established: December 08, 1924 WWW:http://www.firstierbanks.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) FDIC's unique #: 374 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 01, 2006 Last Structure Change Process Date: November 08, 2006 Last Data Update: November 08, 2006 Data Source Date: April 05, 2012
Location
Address: 1508 Stillwater, Cheyenne, WY 82009 County: Laramie Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: Kansas City 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: $41.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
10Total employees (full-time equivalent)
$42,167Total assets
$1,307Cash and due from depository institutions
$1,088Interest-bearing balances
$5,381Securities
$8,920Federal funds sold & reverse repurchase agreements
$22,974Net loans & leases
$243Loan loss allowance
$0Trading account assets
$2,242Bank premises and fixed assets
$29Other real estate owned
$1,054Goodwill and other intangibles
$0Life insurance assets
$260All other assets
$42,167Total liabilities and capital
$36,134Total liabilities
$36,036Total deposits
$31,339Interest-bearing deposits
$36,036Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$40Other borrowed funds
$0Subordinated debt
$58All other liabilities
$6,033Total equity capital
$6,033Total bank equity capital
$6,033Perpetual preferred stock
$0Common stock
$2,025Surplus
$4,075Undivided profits
Memoranda
$-67Noncurrent loans and leases
$10,123Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$176Earning assets
$0Long-term assets (5+ years)
$135Average Assets, year-to-date
$38,363Average Assets, quarterly
$2,100Volatile liabilities
$27,821Insider loans
$34,465FHLB advances
$7,187Loans and leases held for sale
$0Unused loan commitments
$40Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$10,123Total unused commitments
$0Restructured Loans and leases
$243Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$880Total interest income
$187Total interest expense
$693Net interest income
$95Provision for loan and lease losses
$206Total noninterest income
$0Fiduciary activities
$26Service charges on deposit accounts
$0Trading account gains & fees
$180Additional noninterest income
$527Total noninterest expense
$262Salaries and employee benefits
$18Premises and equipment expense
$247Additional noninterest expense
$277Pre-tax net operating income
-$154Securities gains (losses)
$0Applicable income taxes
$123Income before extraordinary items
$0Extraordinary gains - net
$123Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$116Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.45%Yield on earning assets
0.73%Cost of funding earning assets
2.72%Net interest margin
0.81%Noninterest income to earning assets
2.07%Noninterest expense to earning assets
1.00%Net operating income to assets
0.44%Return on assets (ROA)
0.44%Pretax return on assets
2.82%Return on equity (ROE)
2.82%Retained earnings to average equity (YTD only)
-0.98%Net charge-offs to loans
-81.90%Credit loss provision to net charge-offs
0.00%Efficiency ratio
58,621Assets per employee
4.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.05%Loss allowance to noncurrent loans
138.07%Noncurrent assets plus other real estate owned to assets
0.49%Noncurrent loans to loans
0.76%Net loans and leases to deposits
63.75%Net loans and leases to core deposits
79.64%Equity capital to assets
14.31%Core capital (leverage) ratio
13.01%Tier 1 risk-based capital ratio
11.99%Total risk-based capital ratio
Memoranda
$13Average assets
$27,821Average earning assets
$4,360Average equity
$25,502Average loans
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