Wyoming Bank & Trust in city_name, state_name - Detailed Financial Reports, Location

Wyoming Bank & Trust in Cheyenne, Wyoming (WY)
Show street view No street view available for this location

Wyoming Bank & Trust routing number info

Wyoming Bank & Trust - Overview

General
FDIC Certificate #: 8718
Status: Active
Federal Reserve ID: 64150
Bank Holding Company (Regulatory Top Holder): Farmers State Bankshares, Inc. (RSSDID: 1061996, Location: Cheyenne, WY)
Date Established: January 01, 1919
WWW: http://www.wyomingbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 16051
FDIC's unique #: 5550
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 5827 Yellowstone Road, Cheyenne, WY 82009
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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $121.4 mil
Equity capital: $11.4 mil
Deposits held in domestic offices: $108.1 mil
Return on assets (ROA): 1.15% ($1.4 mil)
Quarterly return on assets: -0.29% (-$0.4 mil)
Return on Equity (ROE): 12.31% ($1.4 mil)
Quarterly return on equity: -3.00% (-$0.3 mil)
Net income: $1.4 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: 1.15% ($1,396.0 mil)
Quarterly Pretax return on assets: -0.29% (-$352.0 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
47Total employees (full-time equivalent)
$121,388Total assets
$25,868Cash and due from depository institutions
$25,526Interest-bearing balances
$17,913Securities
$0Federal funds sold & reverse repurchase agreements
$68,110Net loans & leases
$1,603Loan loss allowance
$0Trading account assets
$5,298Bank premises and fixed assets
$83Other real estate owned
$1,030Goodwill and other intangibles
$121,388Life insurance assets
$3,086All other assets
$110,020Total liabilities and capital
$108,125Total liabilities
$84,295Total deposits
$108,125Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,728Trading liabilities
$0Other borrowed funds
$167Subordinated debt
$11,368All other liabilities
$11,368Total equity capital
$11,368Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$2,950Surplus
$8,318Undivided profits
Memoranda
$0Noncurrent loans and leases
$3,674Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,951Income earned, not collected on loans
$0Earning assets
$459Long-term assets (5+ years)
$111,549Average Assets, year-to-date
$46,644Average Assets, quarterly
$120,608Volatile liabilities
$119,606Insider loans
$78,562FHLB advances
$119,085Loans and leases held for sale
$2,014Unused loan commitments
$2,014Tier 1 (core) risk-based capital
$10,282Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,022Restructured Loans and leases
$686Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,230Total interest income
$679Total interest expense
$3,551Net interest income
$513Provision for loan and lease losses
$10,271Total noninterest income
$614Fiduciary activities
$42Service charges on deposit accounts
$0Trading account gains & fees
$9,615Additional noninterest income
$12,020Total noninterest expense
$3,685Salaries and employee benefits
$782Premises and equipment expense
$7,553Additional noninterest expense
$1,289Pre-tax net operating income
$100Securities gains (losses)
$0Applicable income taxes
$1,389Income before extraordinary items
$0Extraordinary gains - net
$1,389Net income attributable to bank
$0Net charge-offs
$1,389Cash dividends
$296Sale, conversion, retirement of capital stock, net
$945Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.89%Yield on earning assets
0.63%Cost of funding earning assets
3.27%Net interest margin
9.46%Noninterest income to earning assets
11.07%Noninterest expense to earning assets
1.07%Net operating income to assets
1.15%Return on assets (ROA)
1.15%Pretax return on assets
12.31%Return on equity (ROE)
3.93%Retained earnings to average equity (YTD only)
0.44%Net charge-offs to loans
173.31%Credit loss provision to net charge-offs
6.09%Efficiency ratio
86,963Assets per employee
2.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
68.03%Loss allowance to loans
2.30%Loss allowance to noncurrent loans
82.16%Noncurrent assets plus other real estate owned to assets
1.68%Noncurrent loans to loans
2.80%Net loans and leases to deposits
62.99%Net loans and leases to core deposits
66.60%Equity capital to assets
9.37%Core capital (leverage) ratio
8.63%Tier 1 risk-based capital ratio
13.09%Total risk-based capital ratio
Memoranda
$14Average assets
$120,608Average earning assets
$11,284Average equity
$108,612Average 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
$112,235Managed Assets
1Number of Accounts
$58,469Personal trust and agency accounts
$56,984Employee benefit-defined contribution accounts
$163Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$1,322Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
118Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$53,766Other retirement accounts
$14,228Corporate trust and agency accounts
$0Other fiduciary accounts
$3,113Fiduciary accounts held in foreign offices

List of branches

2 Wyoming Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	5550	Wyoming Bank & Trust	5827 Yellowstone Road, Cheyenne, WY 82009	January 01, 1919	Full Service Brick and Mortar
1	218858	Burns Branch	120 Main Street, Burns, WY 82053	March 06, 1995	Full Service Brick and Mortar

Wyoming Bank & Trust in Cheyenne, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Wyoming Bank & Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Wyoming Bank & Trust in Cheyenne, Wyoming (WY)Overview, Financial Summary, Detailed Financial Reports, Branches

Wyoming Bank & Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Wyoming Bank & Trust in Cheyenne, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches