Bank of Commerce in Rawlins, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 22639
    Status: Active
    Federal Reserve ID: 547550
    Bank Holding Company (Regulatory Top Holder): Rawlins Bankshares, Inc. (RSSDID: 1067701, Location: Rawlins, WY)
    Date Established: April 20, 1978
    WWW: http://www.bocrawlins.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 14721
    FDIC's unique #: 15795
    Numeric code: 13
    Regulator: FED
    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: April 20, 1978
    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: Third And Buffalo, Rawlins, WY 82301
    County: Carbon
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $119.8 mil
    Equity capital: $12.5 mil
    Deposits held in domestic offices: $106.9 mil
    Return on assets (ROA): 0.69% ($0.8 mil)
    Quarterly return on assets: 0.89% ($1.1 mil)
    Return on Equity (ROE): 6.67% ($0.9 mil)
    Quarterly return on equity: 8.47% ($1.1 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.87% ($1,042.3 mil)
    Quarterly Pretax return on assets: 1.12% ($1,341.9 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, 2011)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $119,810Total assets
  • $9,942Cash and due from depository institutions
  • $8,390Interest-bearing balances
  • $63,415Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $41,764Net loans & leases
  • $891Loan loss allowance
  • $0Trading account assets
  • $1,544Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $119,810Life insurance assets
  • $3,145All other assets
  • $107,305Total liabilities and capital
  • $106,856Total liabilities
  • $84,591Total deposits
  • $106,856Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $449Subordinated debt
  • $12,505All other liabilities
  • $12,505Total equity capital
  • $12,505Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $2,900Surplus
  • $9,505Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $146Income earned, not collected on loans
  • $0Earning assets
  • $570Long-term assets (5+ years)
  • $113,569Average Assets, year-to-date
  • $59,942Average Assets, quarterly
  • $114,832Volatile liabilities
  • $118,482Insider loans
  • $52,706FHLB advances
  • $118,296Loans and leases held for sale
  • $1,538Unused loan commitments
  • $1,538Tier 1 (core) risk-based capital
  • $11,615Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,020Restructured Loans and leases
  • $1,026Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,286Total interest income
  • $636Total interest expense
  • $3,650Net interest income
  • $476Provision for loan and lease losses
  • $585Total noninterest income
  • $0Fiduciary activities
  • $217Service charges on deposit accounts
  • $0Trading account gains & fees
  • $368Additional noninterest income
  • $2,851Total noninterest expense
  • $1,533Salaries and employee benefits
  • $304Premises and equipment expense
  • $1,014Additional noninterest expense
  • $908Pre-tax net operating income
  • $86Securities gains (losses)
  • $204Applicable income taxes
  • $790Income before extraordinary items
  • $0Extraordinary gains - net
  • $790Net income attributable to bank
  • $0Net charge-offs
  • $790Cash dividends
  • $86Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.96%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 3.37%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 6.67%Return on equity (ROE)
  • 6.67%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 553.49%Credit loss provision to net charge-offs
  • 16.09%Efficiency ratio
  • 67,320Assets per employee
  • 4.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 610.27%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 39.08%Net loans and leases to core deposits
  • 43.06%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 9.82%Tier 1 risk-based capital ratio
  • 22.04%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $114,832Average earning assets
  • $11,848Average equity
  • $108,287Average loans

List of branches

  • 1 Wyoming Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015795Bank Of CommerceThird And Buffalo, Rawlins, WY 82301April 20, 1978Full Service Brick and Mortar

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