1ST BANK in Evanston, Wyoming (WY), UT



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1ST BANK
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)139
Total assets$785,634
Cash and due from depository institutions$12,568
Interest-bearing balances$2,472
Securities$463,666
Federal funds sold & reverse repurchase agreements$20,750
Net loans & leases$234,643
Loan loss allowance $8,572
Trading account assets$0
Bank premises and fixed assets$11,147
Other real estate owned$5,072
Goodwill and other intangibles$26,578
All other assets$11,210
Life insurance assets$785,634
Total liabilities and capital$691,607
Total liabilities$535,670
Total deposits$444,859
Interest-bearing deposits$535,670
Deposits held in domestic offices$80
% insured (estimated)36938.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$115,435
Other borrowed funds $0
Subordinated debt $3,564
All other liabilities $94,027
Total equity capital$94,027
Total bank equity capital$94,027
Perpetual preferred stock$0
Common stock$1,000
Surplus$85,071
Undivided profits $7,956
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,935
Income earned, not collected on loans $9,304
Earning assets $0
Long-term assets (5+ years) $4,023
Average Assets, year-to-date $721,531
Average Assets, quarterly $211,081
Volatile liabilities $753,903
Insider loans $776,885
FHLB advances $352,815
Loans and leases held for sale $756,976
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $64,267
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $27,804
Derivatives$1,067
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $26,939
Total interest expense $4,298
Net interest income $22,641
Provision for loan and lease losses $1,950
Total noninterest income $2,757
Fiduciary activities $0
Service charges on deposit accounts $2,059
Trading account gains & fees $0
Additional noninterest income $698
Total noninterest expense $31,786
Salaries and employee benefits $6,396
Premises and equipment expense $1,451
Additional noninterest expense $23,939
Pre-tax net operating income -$8,338
Securities gains (losses) $0
Applicable income taxes $1,928
Income before extraordinary items -$10,266
Extraordinary gains - net $0
Net income attributable to bank -$10,266
Net charge-offs $0
Cash dividends -$10,266
Sale, conversion, retirement of capital stock, net $3,845
Net operating income $4,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.98%
Cost of funding earning assets 0.63%
Net interest margin 3.34%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 4.69%
Net operating income to assets -1.36%
Return on assets (ROA) -1.36%
Pretax return on assets -1.11%
Return on equity (ROE) -10.03%
Retained earnings to average equity (YTD only) -14.43%
Net charge-offs to loans 1.51%
Credit loss provision to net charge-offs 50.72%
Efficiency ratio-1.66%
Assets per employee$56,130
Cash dividends to net income (YTD only)5.65%
Condition Ratios (%)
Loss allowance to loans -43.83%
Loss allowance to noncurrent loans 3.52%
Noncurrent assets plus other real estate owned to assets 92.13%
Noncurrent loans to loans 1.83%
Net loans and leases to deposits3.83%
Net loans and leases to core deposits 43.80%
Equity capital to assets 56.76%
Core capital (leverage) ratio 11.97%
Tier 1 risk-based capital ratio 8.49%
Total risk-based capital ratio 18.22%
Memoranda
Average assets$19
Average earning assets$753,903
Average equity $102,328
Average loans $677,151
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Total Fiduciary and Related Assets (December 31, 2007)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$6
Number of Accounts1
Personal trust and agency accounts$6
Employee benefit-defined contribution accounts$6
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts2
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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
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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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