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

This bank is inactive as of March 22, 1999

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

  • General
  • FDIC Certificate #: 22202
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: 1ST BANK (#16522)
    Federal Reserve ID: 15853
    Date Established: January 05, 1976
    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 #: 15424
    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 05, 1976
    Last Structure Change Effective Date: March 22, 1999
    Last Structure Change Process Date: March 23, 1999
    Last Data Update: April 09, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 716 Pine Avenue, Kemmerer, WY 83101
    County: Lincoln
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Salt Lake City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $34.8 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 20Total employees (full-time equivalent)
  • $34,802Total assets
  • $2,766Cash and due from depository institutions
  • $0Interest-bearing balances
  • $10,940Securities
  • $3,100Federal funds sold & reverse repurchase agreements
  • $16,958Net loans & leases
  • $192Loan loss allowance
  • $0Trading account assets
  • $695Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $343All other assets
  • $34,802Total liabilities and capital
  • $32,076Total liabilities
  • $31,954Total deposits
  • $25,663Interest-bearing deposits
  • $31,954Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $122All other liabilities
  • $2,726Total equity capital
  • $2,726Total bank equity capital
  • $2,726Perpetual preferred stock
  • $0Common stock
  • $450Surplus
  • $900Undivided profits
  • Memoranda
  • $1,376Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $140Earning assets
  • $0Long-term assets (5+ years)
  • $180Average Assets, year-to-date
  • $30,998Average Assets, quarterly
  • $1,715Volatile liabilities
  • $34,427Insider loans
  • $34,558FHLB advances
  • $3,349Loans and leases held for sale
  • $47Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,126Total unused commitments
  • $0Restructured Loans and leases
  • $19,956Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $2,639Total interest income
  • $1,076Total interest expense
  • $1,563Net interest income
  • $31Provision for loan and lease losses
  • $277Total noninterest income
  • $0Fiduciary activities
  • $242Service charges on deposit accounts
  • $0Trading account gains & fees
  • $35Additional noninterest income
  • $1,152Total noninterest expense
  • $692Salaries and employee benefits
  • $120Premises and equipment expense
  • $340Additional noninterest expense
  • $657Pre-tax net operating income
  • $0Securities gains (losses)
  • $67Applicable income taxes
  • $590Income before extraordinary items
  • -$3Extraordinary gains - net
  • $587Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.61%Yield on earning assets
  • 3.51%Cost of funding earning assets
  • 5.10%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 3.76%Noninterest expense to earning assets
  • 1.71%Net operating income to assets
  • 1.71%Return on assets (ROA)
  • 1.90%Pretax return on assets
  • 24.78%Return on equity (ROE)
  • 24.78%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 344.44%Credit loss provision to net charge-offs
  • 76.44%Efficiency ratio
  • 62,609Assets per employee
  • 1.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 137.14%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 53.07%Net loans and leases to core deposits
  • 59.28%Equity capital to assets
  • 7.83%Core capital (leverage) ratio
  • 7.22%Tier 1 risk-based capital ratio
  • 13.19%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $34,427Average earning assets
  • $2,369Average equity
  • $30,662Average loans

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