FDIC Certificate #: 22860 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Pinnacle Bank - Wyoming (#2232) Federal Reserve ID: 887751 Date Established: May 14, 1979 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) FDIC's unique #: 15974 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 14, 1979 Last Structure Change Effective Date: October 21, 2000 Last Structure Change Process Date: November 02, 2000 Last Data Update: November 02, 2000 Data Source Date: April 05, 2012
Location
Address: 1702 17th Street, Cody, WY 82414 County: Park 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: $139.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
56Total employees (full-time equivalent)
$135,490Total assets
$5,083Cash and due from depository institutions
$893Interest-bearing balances
$47,709Securities
$3,947Federal funds sold & reverse repurchase agreements
$73,939Net loans & leases
$1,812Loan loss allowance
$0Trading account assets
$3,230Bank premises and fixed assets
$150Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,432All other assets
$135,490Total liabilities and capital
$124,237Total liabilities
$121,583Total deposits
$107,370Interest-bearing deposits
$121,583Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$890Other borrowed funds
$0Subordinated debt
$1,764All other liabilities
$11,253Total equity capital
$11,253Total bank equity capital
$11,253Perpetual preferred stock
$0Common stock
$614Surplus
$10,938Undivided profits
Memoranda
$-299Noncurrent loans and leases
$12,243Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$667Earning assets
$0Long-term assets (5+ years)
$720Average Assets, year-to-date
$126,488Average Assets, quarterly
$20,768Volatile liabilities
$137,692Insider loans
$136,856FHLB advances
$15,505Loans and leases held for sale
$2,475Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,243Total unused commitments
$0Restructured Loans and leases
$1,094Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$9,946Total interest income
$4,036Total interest expense
$5,910Net interest income
$170Provision for loan and lease losses
$687Total noninterest income
$0Fiduciary activities
$415Service charges on deposit accounts
$0Trading account gains & fees
$272Additional noninterest income
$3,854Total noninterest expense
$1,881Salaries and employee benefits
$609Premises and equipment expense
$1,364Additional noninterest expense
$2,573Pre-tax net operating income
$0Securities gains (losses)
$749Applicable income taxes
$1,824Income before extraordinary items
$0Extraordinary gains - net
$1,824Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$79Sale, conversion, retirement of capital stock, net
$1,901Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.72%Yield on earning assets
3.13%Cost of funding earning assets
4.59%Net interest margin
0.53%Noninterest income to earning assets
2.99%Noninterest expense to earning assets
1.32%Net operating income to assets
1.32%Return on assets (ROA)
1.87%Pretax return on assets
15.30%Return on equity (ROE)
-0.65%Retained earnings to average equity (YTD only)
-0.10%Net charge-offs to loans
-215.19%Credit loss provision to net charge-offs
0.00%Efficiency ratio
58,420Assets per employee
2.42%Cash dividends to net income (YTD only)
Condition Ratios (%)
104.22%Loss allowance to loans
2.39%Loss allowance to noncurrent loans
271.66%Noncurrent assets plus other real estate owned to assets
0.60%Noncurrent loans to loans
0.88%Net loans and leases to deposits
60.81%Net loans and leases to core deposits
69.70%Equity capital to assets
8.31%Core capital (leverage) ratio
8.40%Tier 1 risk-based capital ratio
13.42%Total risk-based capital ratio
Memoranda
$15Average assets
$137,692Average earning assets
$11,920Average equity
$128,755Average loans
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