First National Bank in Worland, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 20, 1998

  • First National Bank in Worland, Wyoming (WY)
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First National Bank - Overview

  • General
  • FDIC Certificate #: 1172
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Pinnacle Bank (#22860)
    Federal Reserve ID: 562151
    Date Established: January 01, 1917
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 804
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 20, 1998
    Last Structure Change Process Date: July 10, 1998
    Last Data Update: July 10, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 644 Big Horn Street, Worland, WY 82401
    County: Washakie
    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
  • Financial Summary
  • Total assets: $88.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 32Total employees (full-time equivalent)
  • $90,212Total assets
  • $2,336Cash and due from depository institutions
  • $0Interest-bearing balances
  • $47,103Securities
  • $1,925Federal funds sold & reverse repurchase agreements
  • $36,590Net loans & leases
  • $1,092Loan loss allowance
  • $0Trading account assets
  • $1,299Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $959All other assets
  • $90,212Total liabilities and capital
  • $82,889Total liabilities
  • $81,758Total deposits
  • $69,475Interest-bearing deposits
  • $81,758Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $21Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,110All other liabilities
  • $7,323Total equity capital
  • $7,323Total bank equity capital
  • $7,323Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $7,751Undivided profits
  • Memoranda
  • $-728Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $469Earning assets
  • $0Long-term assets (5+ years)
  • $387Average Assets, year-to-date
  • $85,618Average Assets, quarterly
  • $18,909Volatile liabilities
  • $91,970Insider loans
  • $91,287FHLB advances
  • $9,686Loans and leases held for sale
  • $844Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,715Total unused commitments
  • $0Restructured Loans and leases
  • $46,673Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $6,532Total interest income
  • $2,911Total interest expense
  • $3,621Net interest income
  • $120Provision for loan and lease losses
  • $433Total noninterest income
  • $0Fiduciary activities
  • $294Service charges on deposit accounts
  • $0Trading account gains & fees
  • $139Additional noninterest income
  • $2,365Total noninterest expense
  • $1,168Salaries and employee benefits
  • $344Premises and equipment expense
  • $853Additional noninterest expense
  • $1,569Pre-tax net operating income
  • $0Securities gains (losses)
  • $418Applicable income taxes
  • $1,151Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,151Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$5Sale, conversion, retirement of capital stock, net
  • $2,600Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.53%Yield on earning assets
  • 3.36%Cost of funding earning assets
  • 4.18%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.25%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 13.65%Return on equity (ROE)
  • -17.19%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -2400.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 56,808Assets per employee
  • 2.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 225.89%Loss allowance to loans
  • 2.90%Loss allowance to noncurrent loans
  • 232.84%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 1.24%Net loans and leases to deposits
  • 44.75%Net loans and leases to core deposits
  • 50.75%Equity capital to assets
  • 8.12%Core capital (leverage) ratio
  • 7.68%Tier 1 risk-based capital ratio
  • 15.15%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $91,970Average earning assets
  • $8,429Average equity
  • $86,690Average loans

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