First Federal Savings Bank in city_name, state_name - Detailed Financial Reports, Location

First Federal Savings Bank in Sheridan, Wyoming (WY)
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First Federal Savings Bank - Overview

General
FDIC Certificate #: 29537
Status: Active
Federal Reserve ID: 387671
Date Established: October 16, 1935
WWW: http://www.efirstfederal.com
Trust Powers Granted: Yes
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 3619
FDIC's unique #: 42371
Numeric code: 34
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: October 16, 1935
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: 46 West Brundage Street, Sheridan, WY 82801
County: Sheridan
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
Core Based Statistical Area (CBSA): Sheridan, WY (#43260)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $227.2 mil
Equity capital: $38.5 mil
Deposits held in domestic offices: $172.8 mil
Return on assets (ROA): 0.53% ($1.2 mil)
Quarterly return on assets: 1.17% ($2.7 mil)
Return on Equity (ROE): 3.20% ($1.2 mil)
Quarterly return on equity: 7.06% ($2.8 mil)
Net income: $1.2 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 0.82% ($1,863.1 mil)
Quarterly Pretax return on assets: 1.77% ($4,021.6 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
43Total employees (full-time equivalent)
$227,210Total assets
$25,323Cash and due from depository institutions
$22,727Interest-bearing balances
$81,741Securities
$13,050Federal funds sold & reverse repurchase agreements
$95,927Net loans & leases
$1,303Loan loss allowance
$0Trading account assets
$6,633Bank premises and fixed assets
$375Other real estate owned
$1,388Goodwill and other intangibles
$227,210Life insurance assets
$2,773All other assets
$188,709Total liabilities and capital
$172,750Total liabilities
$160,033Total deposits
$172,750Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$15,000Trading liabilities
$0Other borrowed funds
$959Subordinated debt
$38,501All other liabilities
$38,501Total equity capital
$38,501Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$38,501Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,023Income earned, not collected on loans
$0Earning assets
$734Long-term assets (5+ years)
$213,445Average Assets, year-to-date
$0Average Assets, quarterly
$228,318Volatile liabilities
$229,764Insider loans
$117,353FHLB advances
$226,617Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$38,062Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,645Restructured Loans and leases
$2,708Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,959Total interest income
$1,712Total interest expense
$6,247Net interest income
$398Provision for loan and lease losses
$2,157Total noninterest income
$0Fiduciary activities
$115Service charges on deposit accounts
$0Trading account gains & fees
$2,042Additional noninterest income
$6,125Total noninterest expense
$3,348Salaries and employee benefits
$1,230Premises and equipment expense
$1,547Additional noninterest expense
$1,881Pre-tax net operating income
$0Securities gains (losses)
$678Applicable income taxes
$1,203Income before extraordinary items
$0Extraordinary gains - net
$1,203Net income attributable to bank
$0Net charge-offs
$1,203Cash dividends
$231Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.72%Yield on earning assets
0.80%Cost of funding earning assets
2.92%Net interest margin
1.01%Noninterest income to earning assets
2.86%Noninterest expense to earning assets
0.53%Net operating income to assets
0.53%Return on assets (ROA)
0.82%Pretax return on assets
3.20%Return on equity (ROE)
3.20%Retained earnings to average equity (YTD only)
0.24%Net charge-offs to loans
172.29%Credit loss provision to net charge-offs
9.87%Efficiency ratio
72,882Assets per employee
5.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.34%Loss allowance to noncurrent loans
32.39%Noncurrent assets plus other real estate owned to assets
1.94%Noncurrent loans to loans
4.14%Net loans and leases to deposits
55.53%Net loans and leases to core deposits
61.49%Equity capital to assets
16.95%Core capital (leverage) ratio
16.80%Tier 1 risk-based capital ratio
32.43%Total risk-based capital ratio
Memoranda
$34Average assets
$228,318Average earning assets
$37,634Average equity
$213,969Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$18,214Managed Assets
1Number of Accounts
$2,212Personal trust and agency accounts
$2,212Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
60Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$16,002Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$1,474Fiduciary accounts held in foreign offices

List of branches

2 Wyoming Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	42371	First Federal Savings Bank	46 West Brundage Street, Sheridan, WY 82801	October 16, 1935	Full Service Brick and Mortar
2	518640	Illinois Branch	671 Illinois St., Sheridan, WY 82801	May 01, 2009	Full Service Brick and Mortar

First Federal Savings Bank in Sheridan, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings Bank in Sheridan, Wyoming (WY)Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings Bank in Sheridan, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches