FDIC Certificate #: 25154 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Wyoming State Bank (#58395) Federal Reserve ID: 70151 Date Established: May 30, 1984 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 17404 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: May 30, 1984 Last Structure Change Effective Date: October 26, 2007 Last Structure Change Process Date: November 19, 2007 Last Data Update: November 19, 2007 Data Source Date: April 05, 2012
Location
Address: 1525 East Pershing Boulevard, Cheyenne, WY 82001 County: Laramie 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 Metropolitan Statistical Area (MSA): Cheyenne, WY (#1580) Core Based Statistical Area (CBSA): Cheyenne, WY (#16940) CBSA Metro Statistical Area: Cheyenne, WY (#16940)
Financial Summary
Total assets: $81.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
22Total employees (full-time equivalent)
$80,564Total assets
$26,193Cash and due from depository institutions
$23,059Interest-bearing balances
$0Securities
$3,307Federal funds sold & reverse repurchase agreements
$48,864Net loans & leases
$734Loan loss allowance
$0Trading account assets
$1,684Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$516All other assets
$80,564Total liabilities and capital
$72,564Total liabilities
$72,272Total deposits
$58,326Interest-bearing deposits
$72,272Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$292All other liabilities
$8,000Total equity capital
$8,000Total bank equity capital
$8,000Perpetual preferred stock
$0Common stock
$274Surplus
$2,400Undivided profits
Memoranda
$5,326Noncurrent loans and leases
$5,247Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$128Earning assets
$0Long-term assets (5+ years)
$418Average Assets, year-to-date
$75,230Average Assets, quarterly
$10,046Volatile liabilities
$78,578Insider loans
$80,008FHLB advances
$15,696Loans and leases held for sale
$167Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$261Total risk weighted assets
$5,247Total unused commitments
$0Restructured Loans and leases
$593Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$5,133Total interest income
$1,826Total interest expense
$3,307Net interest income
$67Provision for loan and lease losses
$281Total noninterest income
$0Fiduciary activities
$123Service charges on deposit accounts
$0Trading account gains & fees
$158Additional noninterest income
$1,926Total noninterest expense
$1,064Salaries and employee benefits
$307Premises and equipment expense
$555Additional noninterest expense
$1,595Pre-tax net operating income
$0Securities gains (losses)
$581Applicable income taxes
$1,014Income before extraordinary items
$0Extraordinary gains - net
$1,014Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1Sale, conversion, retirement of capital stock, net
$137Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.88%Yield on earning assets
2.45%Cost of funding earning assets
4.43%Net interest margin
0.38%Noninterest income to earning assets
2.58%Noninterest expense to earning assets
1.29%Net operating income to assets
1.29%Return on assets (ROA)
2.03%Pretax return on assets
13.43%Return on equity (ROE)
11.61%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
6700.00%Credit loss provision to net charge-offs
1662.00%Efficiency ratio
53,679Assets per employee
3.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
13.51%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
573.44%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.26%Net loans and leases to deposits
67.61%Net loans and leases to core deposits
86.37%Equity capital to assets
9.93%Core capital (leverage) ratio
10.22%Tier 1 risk-based capital ratio
15.66%Total risk-based capital ratio
Memoranda
$17Average assets
$78,578Average earning assets
$7,553Average equity
$74,621Average loans
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