Buffalo Federal Savings Bank in Buffalo, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Buffalo Federal Savings Bank in Buffalo, Wyoming (WY)
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Buffalo Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29696
    Status: Active
    Federal Reserve ID: 108072
    Date Established: May 01, 1936
    WWW: http://www.buffalofed.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 3903
    FDIC's unique #: 42530
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 19, 1936
    Last Structure Change Effective Date: January 10, 2012
    Last Structure Change Process Date: January 10, 2012
    Last Data Update: January 10, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 106 Fort Street, Buffalo, WY 82834
    County: Johnson
    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
  • Financial Summary
  • Total assets: $143.1 mil
    Equity capital: $13.4 mil
    Deposits held in domestic offices: $128.4 mil
    Return on assets (ROA): 0.05% ($0.1 mil)
    Quarterly return on assets: 0.35% ($0.5 mil)
    Return on Equity (ROE): 0.57% ($0.1 mil)
    Quarterly return on equity: 3.65% ($0.5 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.06% ($85.9 mil)
    Quarterly Pretax return on assets: 0.50% ($715.4 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
  • 46Total employees (full-time equivalent)
  • $143,087Total assets
  • $2,730Cash and due from depository institutions
  • $23Interest-bearing balances
  • $19,978Securities
  • $14,153Federal funds sold & reverse repurchase agreements
  • $94,401Net loans & leases
  • $1,684Loan loss allowance
  • $0Trading account assets
  • $5,092Bank premises and fixed assets
  • $2,281Other real estate owned
  • $178Goodwill and other intangibles
  • $143,087Life insurance assets
  • $4,274All other assets
  • $129,642Total liabilities and capital
  • $128,351Total liabilities
  • $115,397Total deposits
  • $128,351Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $715Trading liabilities
  • $0Other borrowed funds
  • $576Subordinated debt
  • $13,445All other liabilities
  • $13,445Total equity capital
  • $13,445Total bank equity capital
  • $0Perpetual preferred stock
  • $10Common stock
  • $7,527Surplus
  • $5,908Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,545Income earned, not collected on loans
  • $172Earning assets
  • $555Long-term assets (5+ years)
  • $128,555Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $146,339Volatile liabilities
  • $141,416Insider loans
  • $100,165FHLB advances
  • $142,294Loans and leases held for sale
  • $1,362Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,861Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,703Restructured Loans and leases
  • $241Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,153Total interest income
  • $1,525Total interest expense
  • $5,628Net interest income
  • $900Provision for loan and lease losses
  • $1,715Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,715Additional noninterest income
  • $6,348Total noninterest expense
  • $3,548Salaries and employee benefits
  • $1,105Premises and equipment expense
  • $1,695Additional noninterest expense
  • $95Pre-tax net operating income
  • $0Securities gains (losses)
  • $20Applicable income taxes
  • $75Income before extraordinary items
  • $0Extraordinary gains - net
  • $75Net income attributable to bank
  • $0Net charge-offs
  • $75Cash dividends
  • $447Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.40%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 4.25%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 4.80%Noninterest expense to earning assets
  • 0.05%Net operating income to assets
  • 0.05%Return on assets (ROA)
  • 0.06%Pretax return on assets
  • 0.57%Return on equity (ROE)
  • 0.57%Retained earnings to average equity (YTD only)
  • 0.45%Net charge-offs to loans
  • 201.34%Credit loss provision to net charge-offs
  • 2.23%Efficiency ratio
  • 86,450Assets per employee
  • 3.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 109.00%Noncurrent assets plus other real estate owned to assets
  • 2.67%Noncurrent loans to loans
  • 1.61%Net loans and leases to deposits
  • 73.55%Net loans and leases to core deposits
  • 76.76%Equity capital to assets
  • 9.40%Core capital (leverage) ratio
  • 9.04%Tier 1 risk-based capital ratio
  • 12.84%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $146,339Average earning assets
  • $13,199Average equity
  • $132,349Average loans

List of branches

  • 4 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042530Buffalo Federal Savings Bank106 Fort Street, Buffalo, WY 82834May 01, 1936Full Service Brick and Mortar
    2468664Sheridan Branch1375 Sugarland Drive, Sheridan, WY 82801April 08, 2002Full Service Brick and Mortar
    3468665Evansville Branch740 Luker Lane, Evansville, WY 82636January 21, 2004Full Service Brick and Mortar
    4491984Gillette Branch2900 South Douglas Highway, Gillette, WY 82717August 22, 2007Full Service Brick and Mortar

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