FDIC Certificate #: 8724 Status: Active Federal Reserve ID: 912550 Bank Holding Company (Regulatory Top Holder): Bankers Capital Corporation (RSSDID: 1051353, Location: Lusk, WY) Date Established: May 26, 1924 WWW:http://www.luskstatebank.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 #: 5555 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: May 30, 2008 Last Structure Change Process Date: May 30, 2008 Last Data Update: May 30, 2008 Data Source Date: April 05, 2012
Location
Address: 445 South Main St, Lusk, WY 82225 County: Niobrara 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
Change in Location
Financial Summary
Total assets: $50.8 mil Equity capital: $5.2 mil Deposits held in domestic offices: $45.5 mil Return on assets (ROA): 3.32% ($1.7 mil) Quarterly return on assets: 6.01% ($3.1 mil) Return on Equity (ROE): 34.62% ($1.7 mil) Quarterly return on equity: 62.45% ($3.1 mil) Net income: $1.5 mil Quarterly Net income: $0.8 mil Pretax return on assets: 3.32% ($1,687.5 mil) Quarterly Pretax return on assets: 6.01% ($3,054.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$50,828Total assets
$8,752Cash and due from depository institutions
$7,361Interest-bearing balances
$3,200Securities
$6,700Federal funds sold & reverse repurchase agreements
$29,810Net loans & leases
$391Loan loss allowance
$0Trading account assets
$397Bank premises and fixed assets
$162Other real estate owned
$632Goodwill and other intangibles
$50,828Life insurance assets
$1,175All other assets
$45,649Total liabilities and capital
$45,529Total liabilities
$33,938Total deposits
$45,529Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$120Subordinated debt
$5,179All other liabilities
$5,179Total equity capital
$5,179Total bank equity capital
$0Perpetual preferred stock
$40Common stock
$1,610Surplus
$3,529Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$257Income earned, not collected on loans
$0Earning assets
$537Long-term assets (5+ years)
$47,071Average Assets, year-to-date
$4,016Average Assets, quarterly
$45,983Volatile liabilities
$50,013Insider loans
$31,701FHLB advances
$50,207Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,917Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,408Restructured Loans and leases
$2,737Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,472Total interest income
$312Total interest expense
$2,160Net interest income
$55Provision for loan and lease losses
$674Total noninterest income
$0Fiduciary activities
$139Service charges on deposit accounts
$0Trading account gains & fees
$535Additional noninterest income
$1,252Total noninterest expense
$714Salaries and employee benefits
$119Premises and equipment expense
$419Additional noninterest expense
$1,527Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,527Income before extraordinary items
$0Extraordinary gains - net
$1,527Net income attributable to bank
$0Net charge-offs
$1,527Cash dividends
$7Sale, conversion, retirement of capital stock, net
$654Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.79%Yield on earning assets
0.73%Cost of funding earning assets
5.06%Net interest margin
1.58%Noninterest income to earning assets
2.93%Noninterest expense to earning assets
3.32%Net operating income to assets
3.32%Return on assets (ROA)
3.32%Pretax return on assets
34.62%Return on equity (ROE)
19.79%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
785.71%Credit loss provision to net charge-offs
226.00%Efficiency ratio
44,178Assets per employee
4.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.83%Loss allowance to loans
1.29%Loss allowance to noncurrent loans
152.14%Noncurrent assets plus other real estate owned to assets
0.82%Noncurrent loans to loans
0.85%Net loans and leases to deposits
65.47%Net loans and leases to core deposits
78.65%Equity capital to assets
10.19%Core capital (leverage) ratio
9.79%Tier 1 risk-based capital ratio
15.51%Total risk-based capital ratio
Memoranda
$17Average assets
$45,983Average earning assets
$4,411Average equity
$42,702Average loans
List of branches
1 Wyoming Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5555
Lusk State Bank
445 South Main St, Lusk, WY 82225
May 26, 1924
Full Service Brick and Mortar
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