First National Bank, Torrington in city_name, state_name - Detailed Financial Reports, Location

First National Bank, Torrington in Torrington, Wyoming (WY)
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First National Bank, Torrington - Overview

General
FDIC Certificate #: 530
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Points West Community Bank (#25127)
Federal Reserve ID: 559852
Date Established: January 01, 1934
WWW: http://www.fnbwy.com
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Interstate: No)
OTS Docket #: 15874
FDIC's unique #: 379
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: September 12, 2005
Last Structure Change Process Date: October 07, 2005
Last Data Update: October 07, 2005
Data Source Date: April 05, 2012
Location
Address: 2120 Main Street, Torrington, WY 82240
County: Goshen
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
Financial Summary
Total assets: $154.8 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, 2004)

Dollar figures in thousands
39Total employees (full-time equivalent)
$159,535Total assets
$2,774Cash and due from depository institutions
$100Interest-bearing balances
$14,270Securities
$3,800Federal funds sold & reverse repurchase agreements
$131,666Net loans & leases
$1,600Loan loss allowance
$0Trading account assets
$2,180Bank premises and fixed assets
$67Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$4,778All other assets
$159,535Total liabilities and capital
$147,443Total liabilities
$131,271Total deposits
$116,886Interest-bearing deposits
$131,271Deposits held in domestic offices
0.00%% insured (estimated)
$2,058Federal funds purchased & repurchase agreements
$0Trading liabilities
$13,777Other borrowed funds
$0Subordinated debt
$337All other liabilities
$12,092Total equity capital
$12,092Total bank equity capital
$12,092Perpetual preferred stock
$0Common stock
$100Surplus
$6,671Undivided profits
Memoranda
$5,321Noncurrent loans and leases
$37,404Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,307Earning assets
$0Long-term assets (5+ years)
$2,542Average Assets, year-to-date
$149,836Average Assets, quarterly
$13,928Volatile liabilities
$149,418Insider loans
$155,961FHLB advances
$43,439Loans and leases held for sale
$508Unused loan commitments
$13,777Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$37,404Total unused commitments
$0Restructured Loans and leases
$1,600Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$9,337Total interest income
$3,289Total interest expense
$6,048Net interest income
$540Provision for loan and lease losses
$698Total noninterest income
$0Fiduciary activities
$583Service charges on deposit accounts
$0Trading account gains & fees
$115Additional noninterest income
$3,543Total noninterest expense
$1,828Salaries and employee benefits
$426Premises and equipment expense
$1,289Additional noninterest expense
$2,663Pre-tax net operating income
$16Securities gains (losses)
$812Applicable income taxes
$1,867Income before extraordinary items
$0Extraordinary gains - net
$1,867Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$427Sale, conversion, retirement of capital stock, net
$150Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.68%Yield on earning assets
2.35%Cost of funding earning assets
4.33%Net interest margin
0.50%Noninterest income to earning assets
2.54%Noninterest expense to earning assets
1.24%Net operating income to assets
1.25%Return on assets (ROA)
1.79%Pretax return on assets
16.52%Return on equity (ROE)
15.19%Retained earnings to average equity (YTD only)
0.33%Net charge-offs to loans
126.46%Credit loss provision to net charge-offs
7.50%Efficiency ratio
52,520Assets per employee
4.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
8.03%Loss allowance to loans
1.20%Loss allowance to noncurrent loans
122.42%Noncurrent assets plus other real estate owned to assets
0.86%Noncurrent loans to loans
0.98%Net loans and leases to deposits
100.30%Net loans and leases to core deposits
144.07%Equity capital to assets
7.58%Core capital (leverage) ratio
7.46%Tier 1 risk-based capital ratio
8.86%Total risk-based capital ratio
Memoranda
$10Average assets
$149,418Average earning assets
$11,301Average equity
$139,739Average loans

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

First National Bank, Torrington - Overview

Assets and Liabilities (December 31, 2004)

Income and Expense (December 31, 2004)

Performance and Condition Ratios (December 31, 2004)

Comment about this bank, ask questions, or add new information about it:

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

First National Bank, Torrington - Overview

Assets and Liabilities (December 31, 2004)

Income and Expense (December 31, 2004)

Performance and Condition Ratios (December 31, 2004)

Comment about this bank, ask questions, or add new information about it:

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