Cheyenne State Bank in Cheyenne, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Cheyenne State Bank in Cheyenne, Wyoming (WY)
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Cheyenne State Bank - Overview

  • General
  • FDIC Certificate #: 57363
    Status: Active
    Federal Reserve ID: 3032833
    Date Established: August 08, 2002
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 362542
    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: Commercial Lending Specialization
    Date of Deposit Insurance: August 08, 2002
    Last Structure Change Effective Date: November 29, 2007
    Last Structure Change Process Date: November 29, 2007
    Last Data Update: November 29, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 West 19th Street, Cheyenne, WY 82001
    County: Laramie
    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
    Metropolitan Statistical Area (MSA): Cheyenne, WY (#1580)
    Core Based Statistical Area (CBSA): Cheyenne, WY (#16940)
    CBSA Metro Statistical Area: Cheyenne, WY (#16940)
  • Financial Summary
  • Total assets: $41.1 mil
    Equity capital: $5.1 mil
    Deposits held in domestic offices: $35.9 mil
    Return on assets (ROA): 0.61% ($0.3 mil)
    Quarterly return on assets: 0.94% ($0.4 mil)
    Return on Equity (ROE): 5.06% ($0.3 mil)
    Quarterly return on equity: 7.48% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.94% ($386.3 mil)
    Quarterly Pretax return on assets: 1.50% ($616.5 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
  • 11Total employees (full-time equivalent)
  • $41,098Total assets
  • $4,241Cash and due from depository institutions
  • $1,078Interest-bearing balances
  • $2,087Securities
  • $4,385Federal funds sold & reverse repurchase agreements
  • $27,776Net loans & leases
  • $634Loan loss allowance
  • $0Trading account assets
  • $1,087Bank premises and fixed assets
  • $870Other real estate owned
  • $0Goodwill and other intangibles
  • $41,098Life insurance assets
  • $652All other assets
  • $35,969Total liabilities and capital
  • $35,885Total liabilities
  • $30,335Total deposits
  • $35,885Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $84Subordinated debt
  • $5,129All other liabilities
  • $5,129Total equity capital
  • $5,129Total bank equity capital
  • $0Perpetual preferred stock
  • $2,380Common stock
  • $1,120Surplus
  • $1,629Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $184Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $172Income earned, not collected on loans
  • $0Earning assets
  • $165Long-term assets (5+ years)
  • $35,326Average Assets, year-to-date
  • $2,258Average Assets, quarterly
  • $41,039Volatile liabilities
  • $40,602Insider loans
  • $29,611FHLB advances
  • $39,706Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,083Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,200Restructured Loans and leases
  • $1,118Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,114Total interest income
  • $347Total interest expense
  • $1,767Net interest income
  • $267Provision for loan and lease losses
  • $163Total noninterest income
  • $0Fiduciary activities
  • $32Service charges on deposit accounts
  • $0Trading account gains & fees
  • $131Additional noninterest income
  • $1,277Total noninterest expense
  • $676Salaries and employee benefits
  • $79Premises and equipment expense
  • $522Additional noninterest expense
  • $386Pre-tax net operating income
  • $0Securities gains (losses)
  • $135Applicable income taxes
  • $251Income before extraordinary items
  • $0Extraordinary gains - net
  • $251Net income attributable to bank
  • $0Net charge-offs
  • $251Cash dividends
  • $251Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.82%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 4.86%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 3.51%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 5.06%Return on equity (ROE)
  • 5.06%Retained earnings to average equity (YTD only)
  • 0.81%Net charge-offs to loans
  • 106.37%Credit loss provision to net charge-offs
  • 2.60%Efficiency ratio
  • 66,166Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.23%Loss allowance to noncurrent loans
  • 368.60%Noncurrent assets plus other real estate owned to assets
  • 2.54%Noncurrent loans to loans
  • 0.61%Net loans and leases to deposits
  • 77.40%Net loans and leases to core deposits
  • 80.31%Equity capital to assets
  • 12.48%Core capital (leverage) ratio
  • 12.80%Tier 1 risk-based capital ratio
  • 17.17%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $41,039Average earning assets
  • $4,963Average equity
  • $36,343Average loans

List of branches

  • 1 Wyoming Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0362542Cheyenne State Bank101 West 19th Street, Cheyenne, WY 82001August 08, 2002Full Service Brick and Mortar

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