FDIC Certificate #: 21948 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Pinnacle Bank - Wyoming (#2232) Federal Reserve ID: 540757 Date Established: May 15, 1975 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Interstate: No) FDIC's unique #: 15212 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: May 15, 1975 Last Structure Change Effective Date: October 21, 2000 Last Structure Change Process Date: November 01, 2000 Last Data Update: November 01, 2000 Data Source Date: April 05, 2012
Location
Address: 204 West Main Street, Newcastle, WY 82701 County: Weston 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
Financial Summary
Total assets: $28.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
12Total employees (full-time equivalent)
$31,052Total assets
$2,683Cash and due from depository institutions
$1,362Interest-bearing balances
$16,771Securities
$1,701Federal funds sold & reverse repurchase agreements
$9,136Net loans & leases
$238Loan loss allowance
$0Trading account assets
$385Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$376All other assets
$31,052Total liabilities and capital
$28,787Total liabilities
$28,482Total deposits
$23,810Interest-bearing deposits
$28,482Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$305All other liabilities
$2,265Total equity capital
$2,265Total bank equity capital
$2,265Perpetual preferred stock
$0Common stock
$195Surplus
$1,350Undivided profits
Memoranda
$720Noncurrent loans and leases
$1,966Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1Earning assets
$0Long-term assets (5+ years)
$114Average Assets, year-to-date
$28,970Average Assets, quarterly
$5,544Volatile liabilities
$31,333Insider loans
$33,087FHLB advances
$3,796Loans and leases held for sale
$79Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,966Total unused commitments
$0Restructured Loans and leases
$177Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$2,085Total interest income
$946Total interest expense
$1,139Net interest income
$0Provision for loan and lease losses
$197Total noninterest income
$0Fiduciary activities
$154Service charges on deposit accounts
$0Trading account gains & fees
$43Additional noninterest income
$857Total noninterest expense
$383Salaries and employee benefits
$120Premises and equipment expense
$354Additional noninterest expense
$479Pre-tax net operating income
$0Securities gains (losses)
$105Applicable income taxes
$374Income before extraordinary items
$0Extraordinary gains - net
$374Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$103Sale, conversion, retirement of capital stock, net
$300Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.11%Yield on earning assets
3.23%Cost of funding earning assets
3.88%Net interest margin
0.67%Noninterest income to earning assets
2.92%Noninterest expense to earning assets
1.19%Net operating income to assets
1.19%Return on assets (ROA)
1.53%Pretax return on assets
15.61%Return on equity (ROE)
3.09%Retained earnings to average equity (YTD only)
1.10%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
4.65%Efficiency ratio
64,147Assets per employee
2.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
80.21%Loss allowance to loans
2.54%Loss allowance to noncurrent loans
23800.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.01%Net loans and leases to deposits
32.08%Net loans and leases to core deposits
37.01%Equity capital to assets
7.29%Core capital (leverage) ratio
6.98%Tier 1 risk-based capital ratio
16.90%Total risk-based capital ratio
Memoranda
$18Average assets
$31,333Average earning assets
$2,396Average equity
$29,328Average loans
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