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

Cowboy State Bank - Overview

  • General
  • FDIC Certificate #: 8725
    Status: Active
    Federal Reserve ID: 544951
    Bank Holding Company (Regulatory Top Holder): Cowboy State Bancorp, Inc. (RSSDID: 2992426, Location: Ranchester, WY)
    Date Established: January 01, 1912
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10839
    FDIC's unique #: 5556
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 515 Dayton Street, Ranchester, WY 82839
    County: Sheridan
    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
    Core Based Statistical Area (CBSA): Sheridan, WY (#43260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $40.9 mil
    Equity capital: $3.9 mil
    Deposits held in domestic offices: $36.9 mil
    Return on assets (ROA): 0.65% ($0.3 mil)
    Quarterly return on assets: 1.28% ($0.5 mil)
    Return on Equity (ROE): 7.24% ($0.3 mil)
    Quarterly return on equity: 13.35% ($0.5 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.65% ($266.0 mil)
    Quarterly Pretax return on assets: 1.28% ($523.7 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
  • 16Total employees (full-time equivalent)
  • $40,916Total assets
  • $2,948Cash and due from depository institutions
  • $1,545Interest-bearing balances
  • $3,364Securities
  • $5,149Federal funds sold & reverse repurchase agreements
  • $25,800Net loans & leases
  • $665Loan loss allowance
  • $0Trading account assets
  • $1,966Bank premises and fixed assets
  • $1,112Other real estate owned
  • $0Goodwill and other intangibles
  • $40,916Life insurance assets
  • $577All other assets
  • $36,986Total liabilities and capital
  • $36,940Total liabilities
  • $31,880Total deposits
  • $36,940Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $46Subordinated debt
  • $3,930All other liabilities
  • $3,930Total equity capital
  • $3,930Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $3,681Surplus
  • $49Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $441Income earned, not collected on loans
  • $0Earning assets
  • $185Long-term assets (5+ years)
  • $35,858Average Assets, year-to-date
  • $2,230Average Assets, quarterly
  • $40,946Volatile liabilities
  • $40,433Insider loans
  • $27,191FHLB advances
  • $39,988Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,860Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $388Restructured Loans and leases
  • $162Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,215Total interest income
  • $344Total interest expense
  • $1,871Net interest income
  • $0Provision for loan and lease losses
  • $169Total noninterest income
  • $0Fiduciary activities
  • $51Service charges on deposit accounts
  • $0Trading account gains & fees
  • $118Additional noninterest income
  • $1,772Total noninterest expense
  • $958Salaries and employee benefits
  • $222Premises and equipment expense
  • $592Additional noninterest expense
  • $268Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $268Income before extraordinary items
  • $0Extraordinary gains - net
  • $268Net income attributable to bank
  • $0Net charge-offs
  • $268Cash dividends
  • $71Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.20%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 5.24%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 4.96%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 7.24%Return on equity (ROE)
  • 7.24%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 3.77%Efficiency ratio
  • 86,863Assets per employee
  • 2.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.51%Loss allowance to noncurrent loans
  • 150.79%Noncurrent assets plus other real estate owned to assets
  • 3.80%Noncurrent loans to loans
  • 1.67%Net loans and leases to deposits
  • 69.84%Net loans and leases to core deposits
  • 71.02%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 9.65%Tier 1 risk-based capital ratio
  • 14.20%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $40,946Average earning assets
  • $3,699Average equity
  • $35,728Average loans

List of branches

  • 2 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05556Cowboy State Bank515 Dayton Street, Ranchester, WY 82839January 01, 1912Full Service Brick and Mortar
    1364322951 Coffeen Avenue Branch951 Coffeen Avenue, Sheridan, WY 82801December 03, 2001Full Service Brick and Mortar

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