The Rock Springs National Bank in Rock Springs, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Rock Springs National Bank in Rock Springs, Wyoming (WY)
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The Rock Springs National Bank routing number info

The Rock Springs National Bank - Overview

  • General
  • FDIC Certificate #: 2229
    Status: Active
    Federal Reserve ID: 550952
    Bank Holding Company (Regulatory Top Holder): Rsnb Bancorp (RSSDID: 2718167, Location: Rock Springs, WY)
    Date Established: May 23, 1892
    WWW: http://www.rsnb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 13484
    FDIC's unique #: 1480
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 16, 2007
    Last Structure Change Process Date: June 01, 2007
    Last Data Update: June 01, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 Second Street, Rock Springs, WY 82901
    County: Sweetwater
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Salt Lake City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Rock Springs, WY (#40540)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $361.6 mil
    Equity capital: $36.6 mil
    Deposits held in domestic offices: $320.6 mil
    Return on assets (ROA): 1.94% ($7.0 mil)
    Quarterly return on assets: 2.20% ($8.0 mil)
    Return on Equity (ROE): 20.61% ($7.6 mil)
    Quarterly return on equity: 21.94% ($8.1 mil)
    Net income: $6.7 mil
    Quarterly Net income: $2.0 mil
    Pretax return on assets: 1.94% ($7,014.6 mil)
    Quarterly Pretax return on assets: 2.20% ($7,954.7 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
  • 55Total employees (full-time equivalent)
  • $361,579Total assets
  • $5,616Cash and due from depository institutions
  • $278Interest-bearing balances
  • $223,630Securities
  • $8,891Federal funds sold & reverse repurchase agreements
  • $99,938Net loans & leases
  • $2,014Loan loss allowance
  • $0Trading account assets
  • $10,056Bank premises and fixed assets
  • $1,533Other real estate owned
  • $0Goodwill and other intangibles
  • $361,579Life insurance assets
  • $11,915All other assets
  • $324,942Total liabilities and capital
  • $320,557Total liabilities
  • $235,234Total deposits
  • $320,557Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,300Trading liabilities
  • $0Other borrowed funds
  • $1,085Subordinated debt
  • $36,637All other liabilities
  • $36,637Total equity capital
  • $36,637Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,500Surplus
  • $34,637Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $273Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,865Income earned, not collected on loans
  • $0Earning assets
  • $1,620Long-term assets (5+ years)
  • $332,737Average Assets, year-to-date
  • $227,478Average Assets, quarterly
  • $343,645Volatile liabilities
  • $354,570Insider loans
  • $139,754FHLB advances
  • $355,859Loans and leases held for sale
  • $6,372Unused loan commitments
  • $1,819Tier 1 (core) risk-based capital
  • $33,665Tier 2 risk-based capital
  • $4,553Total risk weighted assets
  • $0Total unused commitments
  • $16,640Restructured Loans and leases
  • $816Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,797Total interest income
  • $1,150Total interest expense
  • $11,647Net interest income
  • $68Provision for loan and lease losses
  • $2,107Total noninterest income
  • $245Fiduciary activities
  • $385Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,477Additional noninterest income
  • $7,438Total noninterest expense
  • $4,553Salaries and employee benefits
  • $973Premises and equipment expense
  • $1,912Additional noninterest expense
  • $6,248Pre-tax net operating income
  • $428Securities gains (losses)
  • $0Applicable income taxes
  • $6,676Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,676Net income attributable to bank
  • $0Net charge-offs
  • $6,676Cash dividends
  • $217Sale, conversion, retirement of capital stock, net
  • $2,277Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.07%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 1.82%Net operating income to assets
  • 1.94%Return on assets (ROA)
  • 1.94%Pretax return on assets
  • 20.61%Return on equity (ROE)
  • 13.58%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 31.34%Credit loss provision to net charge-offs
  • 29.11%Efficiency ratio
  • 54,079Assets per employee
  • 6.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.11%Loss allowance to loans
  • 1.98%Loss allowance to noncurrent loans
  • 41.40%Noncurrent assets plus other real estate owned to assets
  • 1.77%Noncurrent loans to loans
  • 4.77%Net loans and leases to deposits
  • 31.18%Net loans and leases to core deposits
  • 34.86%Equity capital to assets
  • 10.13%Core capital (leverage) ratio
  • 9.46%Tier 1 risk-based capital ratio
  • 24.09%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $343,645Average earning assets
  • $32,388Average equity
  • $314,397Average 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
  • $39,037Managed Assets
  • 1Number of Accounts
  • $23,593Personal trust and agency accounts
  • $23,117Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $332Other fiduciary accounts
  • $144Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 68Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $15,444Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Wyoming Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    01480The Rock Springs National Bank200 Second Street, Rock Springs, WY 82901May 23, 1892Full Service Brick and Mortar
    1192048West Branch1987 Dewar Drive, Rock Springs, WY 82901July 01, 1997Full Service Brick and Mortar

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