Central Bank and Trust in Lander, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Central Bank and Trust - Overview

  • General
  • FDIC Certificate #: 529
    Status: Active
    Federal Reserve ID: 903950
    Bank Holding Company (Regulatory Top Holder): Central Trust Company (RSSDID: 1020920, Location: Edina, MN)
    Date Established: January 31, 1890
    WWW: http://www.centralbanktrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 378
    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: September 25, 2009
    Last Structure Change Process Date: September 25, 2009
    Last Data Update: September 25, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 285 Main Street, Lander, WY 82520
    County: Fremont
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Billings
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Riverton, WY (#40180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
  • Financial Summary
  • Total assets: $150.0 mil
    Equity capital: $13.4 mil
    Deposits held in domestic offices: $127.6 mil
    Return on assets (ROA): 1.17% ($1.8 mil)
    Quarterly return on assets: 0.95% ($1.4 mil)
    Return on Equity (ROE): 11.78% ($1.5 mil)
    Quarterly return on equity: 9.98% ($1.3 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.17% ($1,754.7 mil)
    Quarterly Pretax return on assets: 0.95% ($1,424.8 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
  • 43Total employees (full-time equivalent)
  • $149,976Total assets
  • $7,759Cash and due from depository institutions
  • $5,468Interest-bearing balances
  • $57,479Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $77,885Net loans & leases
  • $1,030Loan loss allowance
  • $0Trading account assets
  • $3,887Bank premises and fixed assets
  • $1,493Other real estate owned
  • $73Goodwill and other intangibles
  • $149,976Life insurance assets
  • $1,400All other assets
  • $136,533Total liabilities and capital
  • $127,608Total liabilities
  • $99,459Total deposits
  • $127,608Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 8735.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $190Subordinated debt
  • $13,443All other liabilities
  • $13,443Total equity capital
  • $13,443Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $6,300Surplus
  • $6,943Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $860Income earned, not collected on loans
  • $0Earning assets
  • $748Long-term assets (5+ years)
  • $140,832Average Assets, year-to-date
  • $72,641Average Assets, quarterly
  • $155,732Volatile liabilities
  • $154,595Insider loans
  • $83,060FHLB advances
  • $155,031Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,163Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,947Restructured Loans and leases
  • $811Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,936Total interest income
  • $926Total interest expense
  • $6,010Net interest income
  • $110Provision for loan and lease losses
  • $800Total noninterest income
  • $0Fiduciary activities
  • $315Service charges on deposit accounts
  • $0Trading account gains & fees
  • $485Additional noninterest income
  • $4,873Total noninterest expense
  • $2,456Salaries and employee benefits
  • $555Premises and equipment expense
  • $1,862Additional noninterest expense
  • $1,827Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,827Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,827Net income attributable to bank
  • $0Net charge-offs
  • $1,827Cash dividends
  • $121Sale, conversion, retirement of capital stock, net
  • $5,307Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 11.78%Return on equity (ROE)
  • -22.45%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 90.91%Credit loss provision to net charge-offs
  • 16.01%Efficiency ratio
  • 71,131Assets per employee
  • 3.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 290.48%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 119.77%Noncurrent assets plus other real estate owned to assets
  • 1.57%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 61.03%Net loans and leases to core deposits
  • 66.23%Equity capital to assets
  • 8.96%Core capital (leverage) ratio
  • 8.49%Tier 1 risk-based capital ratio
  • 15.85%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $155,732Average earning assets
  • $15,503Average equity
  • $146,071Average loans

List of branches

  • 5 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0378Central Bank And Trust285 Main Street, Lander, WY 82520January 31, 1890Full Service Brick and Mortar
    1181751Fort Washakie Branch14615 U.S. Highway 287, Fort Washakie, WY 82514September 01, 1998Full Service Brick and Mortar
    2181752Riverton Branch220 North Federal, Riverton, WY 82501December 01, 1999Full Service Brick and Mortar
    315888Thermopolis Branch435 Arapahoe Street, Thermopolis, WY 82443November 24, 1978Full Service Brick and Mortar
    5492962Cheyenne Branch3060 East Lincolnway, Cheyenne, WY 82003December 01, 2008Full Service Brick and Mortar

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