FDIC Certificate #: 1168 Status: Active Federal Reserve ID: 87159 Bank Holding Company (Regulatory Top Holder): Northeastern Wyoming Bank Corporation, Inc. (RSSDID: 1058615, Location: Newcastle, WY) Date Established: August 22, 1924 WWW:http://www.fsbnewcastle.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 #: 800 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: Yes Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion 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: 24 North Sumner Avenue, Newcastle, WY 82701 County: Weston 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: $147.5 mil Equity capital: $18.6 mil Deposits held in domestic offices: $128.6 mil Return on assets (ROA): 1.85% ($2.7 mil) Quarterly return on assets: 1.55% ($2.3 mil) Return on Equity (ROE): 14.08% ($2.7 mil) Quarterly return on equity: 11.81% ($2.2 mil) Net income: $2.6 mil Quarterly Net income: $0.6 mil Pretax return on assets: 1.85% ($2,728.7 mil) Quarterly Pretax return on assets: 1.55% ($2,286.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$147,495Total assets
$7,577Cash and due from depository institutions
$6,942Interest-bearing balances
$91,809Securities
$0Federal funds sold & reverse repurchase agreements
$45,984Net loans & leases
$619Loan loss allowance
$0Trading account assets
$572Bank premises and fixed assets
$274Other real estate owned
$65Goodwill and other intangibles
$147,495Life insurance assets
$1,214All other assets
$128,945Total liabilities and capital
$128,577Total liabilities
$103,733Total deposits
$128,577Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$368Subordinated debt
$18,550All other liabilities
$18,550Total equity capital
$18,550Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$3,400Surplus
$15,050Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$291Income earned, not collected on loans
$0Earning assets
$663Long-term assets (5+ years)
$144,735Average Assets, year-to-date
$39,665Average Assets, quarterly
$140,945Volatile liabilities
$144,811Insider loans
$64,902FHLB advances
$148,938Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,522Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,277Restructured Loans and leases
$135Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,874Total interest income
$963Total interest expense
$4,911Net interest income
$300Provision for loan and lease losses
$544Total noninterest income
$0Fiduciary activities
$357Service charges on deposit accounts
$0Trading account gains & fees
$187Additional noninterest income
$2,804Total noninterest expense
$1,343Salaries and employee benefits
$252Premises and equipment expense
$1,209Additional noninterest expense
$2,351Pre-tax net operating income
$254Securities gains (losses)
$0Applicable income taxes
$2,605Income before extraordinary items
$0Extraordinary gains - net
$2,605Net income attributable to bank
$0Net charge-offs
$2,605Cash dividends
$226Sale, conversion, retirement of capital stock, net
$1,999Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.27%Yield on earning assets
0.70%Cost of funding earning assets
3.57%Net interest margin
0.40%Noninterest income to earning assets
2.04%Noninterest expense to earning assets
1.67%Net operating income to assets
1.85%Return on assets (ROA)
1.85%Pretax return on assets
14.08%Return on equity (ROE)
3.28%Retained earnings to average equity (YTD only)
0.48%Net charge-offs to loans
132.74%Credit loss provision to net charge-offs
11.73%Efficiency ratio
51,256Assets per employee
5.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
76.74%Loss allowance to loans
1.33%Loss allowance to noncurrent loans
212.71%Noncurrent assets plus other real estate owned to assets
0.38%Noncurrent loans to loans
0.62%Net loans and leases to deposits
35.76%Net loans and leases to core deposits
42.22%Equity capital to assets
12.58%Core capital (leverage) ratio
11.09%Tier 1 risk-based capital ratio
25.46%Total risk-based capital ratio
Memoranda
$26Average assets
$140,945Average earning assets
$18,500Average equity
$137,522Average loans
List of branches
1 Wyoming Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
800
First State Bank Of Newcastle
24 North Sumner Avenue, Newcastle, WY 82701
August 22, 1924
Full Service Brick and Mortar
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