1ST BANK in Evanston, Wyoming (WY), UT
Overview, Financial Summary, Detailed Financial Reports, Branches


  • 1ST BANK in Evanston, Wyoming (WY), UT
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1ST BANK - Overview

  • General
  • FDIC Certificate #: 16522
    Status: Active
    Federal Reserve ID: 888253
    Bank Holding Company (Regulatory Top Holder): Glacier Bancorp, Inc. (RSSDID: 2003975, Location: Kalispell, MT)
    Date Established: January 01, 1934
    WWW: http://www.fnbwest.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: Yes)
    FDIC's unique #: 10676
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: December 23, 1946
    Last Structure Change Effective Date: September 22, 2011
    Last Structure Change Process Date: September 22, 2011
    Last Data Update: September 22, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1001 Main Street, Evanston, WY 82930
    County: Uinta
    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): Evanston, WY (#21740)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $785.6 mil
    Equity capital: $94.0 mil
    Deposits held in domestic offices: $535.7 mil
    Return on assets (ROA): -1.36% (-$10.7 mil)
    Quarterly return on assets: 0.92% ($7.2 mil)
    Return on Equity (ROE): -10.03% (-$9.4 mil)
    Quarterly return on equity: 7.58% ($7.1 mil)
    Net income: -$10.3 mil
    Quarterly Net income: $1.8 mil
    Pretax return on assets: -1.11% (-$8,720.5 mil)
    Quarterly Pretax return on assets: 1.20% ($9,427.6 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
  • 139Total employees (full-time equivalent)
  • $785,634Total assets
  • $12,568Cash and due from depository institutions
  • $2,472Interest-bearing balances
  • $463,666Securities
  • $20,750Federal funds sold & reverse repurchase agreements
  • $234,643Net loans & leases
  • $8,572Loan loss allowance
  • $0Trading account assets
  • $11,147Bank premises and fixed assets
  • $5,072Other real estate owned
  • $26,578Goodwill and other intangibles
  • $785,634Life insurance assets
  • $11,210All other assets
  • $691,607Total liabilities and capital
  • $535,670Total liabilities
  • $444,859Total deposits
  • $535,670Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 36938.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $115,435Trading liabilities
  • $0Other borrowed funds
  • $3,564Subordinated debt
  • $94,027All other liabilities
  • $94,027Total equity capital
  • $94,027Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $85,071Surplus
  • $7,956Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,935Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,304Income earned, not collected on loans
  • $0Earning assets
  • $4,023Long-term assets (5+ years)
  • $721,531Average Assets, year-to-date
  • $211,081Average Assets, quarterly
  • $753,903Volatile liabilities
  • $776,885Insider loans
  • $352,815FHLB advances
  • $756,976Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $64,267Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,804Restructured Loans and leases
  • $1,067Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,939Total interest income
  • $4,298Total interest expense
  • $22,641Net interest income
  • $1,950Provision for loan and lease losses
  • $2,757Total noninterest income
  • $0Fiduciary activities
  • $2,059Service charges on deposit accounts
  • $0Trading account gains & fees
  • $698Additional noninterest income
  • $31,786Total noninterest expense
  • $6,396Salaries and employee benefits
  • $1,451Premises and equipment expense
  • $23,939Additional noninterest expense
  • -$8,338Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,928Applicable income taxes
  • -$10,266Income before extraordinary items
  • $0Extraordinary gains - net
  • -$10,266Net income attributable to bank
  • $0Net charge-offs
  • -$10,266Cash dividends
  • $3,845Sale, conversion, retirement of capital stock, net
  • $4,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.98%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 4.69%Noninterest expense to earning assets
  • -1.36%Net operating income to assets
  • -1.36%Return on assets (ROA)
  • -1.11%Pretax return on assets
  • -10.03%Return on equity (ROE)
  • -14.43%Retained earnings to average equity (YTD only)
  • 1.51%Net charge-offs to loans
  • 50.72%Credit loss provision to net charge-offs
  • -1.66%Efficiency ratio
  • 56,130Assets per employee
  • 5.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -43.83%Loss allowance to loans
  • 3.52%Loss allowance to noncurrent loans
  • 92.13%Noncurrent assets plus other real estate owned to assets
  • 1.83%Noncurrent loans to loans
  • 3.83%Net loans and leases to deposits
  • 43.80%Net loans and leases to core deposits
  • 56.76%Equity capital to assets
  • 11.97%Core capital (leverage) ratio
  • 8.49%Tier 1 risk-based capital ratio
  • 18.22%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $753,903Average earning assets
  • $102,328Average equity
  • $677,151Average loans

Total Fiduciary and Related Assets (December 31, 2007)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $6Managed Assets
  • 1Number of Accounts
  • $6Personal trust and agency accounts
  • $6Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Utah Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    81504120 North State St Branch120 North State Street, Morgan, UT 84050January 01, 1903Full Service Brick and Mortar
    9192226Mountain Green Office Branch5015 West Old Highway Road, Morgan, UT 84050July 15, 1998Full Service Brick and Mortar
  • 8 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0106761st Bank1001 Main Street, Evanston, WY 82930January 01, 1934Full Service Brick and Mortar
    1238255Bridger Valley Branch900 North Highway 414, Mountain View, WY 82939July 17, 1995Full Service Brick and Mortar
    215424Kemmerer Branch716 Pine Avenue, Kemmerer, WY 83101January 05, 1976Full Service Brick and Mortar
    3254221Afton Branch314 South Washington, Afton, WY 83110July 01, 1995Full Service Brick and Mortar
    4358291Pinedale Branch221 E. Pine Street, Pinedale, WY 82941July 01, 1999Full Service Brick and Mortar
    5363753Evanston Super Wal-Mart Branch125north 2nd Strreet, Evanston, WY 82930April 17, 2002Full Service Brick and Mortar
    6419684Alpine Branch79 Hwy 89, Alpine, WY 83128July 15, 2002Full Service Brick and Mortar
    78378601 North Front Street Branch601 North Front Street, Rock Springs, WY 82901August 12, 1912Full Service Brick and Mortar

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