Farmers State Bank in Pine Bluffs, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Farmers State Bank in Pine Bluffs, Wyoming (WY)
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Farmers State Bank - Overview

  • General
  • FDIC Certificate #: 526
    Status: Active
    Federal Reserve ID: 542854
    Bank Holding Company (Regulatory Top Holder): Commercial Bancorp (RSSDID: 3108439, Location: Pine Bluffs, WY)
    Date Established: April 30, 1915
    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)
    FDIC's unique #: 377
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural 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: 103 East Second, Pine Bluffs, WY 82082
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $21.8 mil
    Equity capital: $1.7 mil
    Deposits held in domestic offices: $20.0 mil
    Return on assets (ROA): -0.61% (-$0.1 mil)
    Quarterly return on assets: -0.48% (-$0.1 mil)
    Return on Equity (ROE): -7.43% (-$0.1 mil)
    Quarterly return on equity: -6.12% (-$0.1 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.61% (-$133.0 mil)
    Quarterly Pretax return on assets: -0.48% (-$104.6 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
  • 8Total employees (full-time equivalent)
  • $21,799Total assets
  • $6,198Cash and due from depository institutions
  • $2,475Interest-bearing balances
  • $4,613Securities
  • $3,400Federal funds sold & reverse repurchase agreements
  • $7,024Net loans & leases
  • $220Loan loss allowance
  • $0Trading account assets
  • $187Bank premises and fixed assets
  • $108Other real estate owned
  • $0Goodwill and other intangibles
  • $21,799Life insurance assets
  • $269All other assets
  • $20,057Total liabilities and capital
  • $20,049Total liabilities
  • $10,759Total deposits
  • $20,049Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $8Subordinated debt
  • $1,742All other liabilities
  • $1,742Total equity capital
  • $1,742Total bank equity capital
  • $0Perpetual preferred stock
  • $40Common stock
  • $1,160Surplus
  • $542Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19Income earned, not collected on loans
  • $0Earning assets
  • $112Long-term assets (5+ years)
  • $17,512Average Assets, year-to-date
  • $3,741Average Assets, quarterly
  • $21,441Volatile liabilities
  • $22,327Insider loans
  • $11,044FHLB advances
  • $22,706Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,619Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,280Restructured Loans and leases
  • $457Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $736Total interest income
  • $89Total interest expense
  • $647Net interest income
  • $85Provision for loan and lease losses
  • $96Total noninterest income
  • $0Fiduciary activities
  • $52Service charges on deposit accounts
  • $0Trading account gains & fees
  • $44Additional noninterest income
  • $799Total noninterest expense
  • $445Salaries and employee benefits
  • $89Premises and equipment expense
  • $265Additional noninterest expense
  • -$141Pre-tax net operating income
  • $10Securities gains (losses)
  • $0Applicable income taxes
  • -$131Income before extraordinary items
  • $0Extraordinary gains - net
  • -$131Net income attributable to bank
  • $0Net charge-offs
  • -$131Cash dividends
  • $56Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.21%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 4.57%Noninterest expense to earning assets
  • -0.66%Net operating income to assets
  • -0.61%Return on assets (ROA)
  • -0.61%Pretax return on assets
  • -7.43%Return on equity (ROE)
  • -7.43%Retained earnings to average equity (YTD only)
  • 0.68%Net charge-offs to loans
  • 151.79%Credit loss provision to net charge-offs
  • -1.00%Efficiency ratio
  • 107,537Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.04%Loss allowance to noncurrent loans
  • 1157.89%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 35.03%Net loans and leases to core deposits
  • 35.03%Equity capital to assets
  • 7.99%Core capital (leverage) ratio
  • 7.13%Tier 1 risk-based capital ratio
  • 14.66%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $21,441Average earning assets
  • $1,762Average equity
  • $17,472Average loans

List of branches

  • 1 Wyoming Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0377Farmers State Bank103 East Second, Pine Bluffs, WY 82082April 30, 1915Full Service Brick and Mortar

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