First State Bank of Newcastle in Newcastle, Wyoming (WY)



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First State Bank of Newcastle routing number info

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First State Bank of Newcastle
GeneralFDIC Certificate #: 1168
Status: Active
Federal Reserve ID: 87159
Bank Holding Company (Regulatory Top Holder): Northeastern Wyoming Bank Corporation, Inc. (RSSDID: 1058615, Location: Newcastle, WY)
Date Established: August 22, 1924
WWW: http://www.fsbnewcastle.com
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 #: 800
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: Other Specialized Lending < 1 Billion
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
LocationAddress: 24 North Sumner Avenue, Newcastle, WY 82701
County: Weston
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $147.5 mil
Equity capital: $18.6 mil
Deposits held in domestic offices: $128.6 mil
Return on assets (ROA): 1.85% ($2.7 mil)
Quarterly return on assets: 1.55% ($2.3 mil)
Return on Equity (ROE): 14.08% ($2.7 mil)
Quarterly return on equity: 11.81% ($2.2 mil)
Net income: $2.6 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.85% ($2,728.7 mil)
Quarterly Pretax return on assets: 1.55% ($2,286.2 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)
Total employees (full-time equivalent)26
Total assets$147,495
Cash and due from depository institutions$7,577
Interest-bearing balances$6,942
Securities$91,809
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$45,984
Loan loss allowance $619
Trading account assets$0
Bank premises and fixed assets$572
Other real estate owned$274
Goodwill and other intangibles$65
All other assets$1,214
Life insurance assets$147,495
Total liabilities and capital$128,945
Total liabilities$128,577
Total deposits$103,733
Interest-bearing deposits$128,577
Deposits held in domestic offices$79
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $368
All other liabilities $18,550
Total equity capital$18,550
Total bank equity capital$18,550
Perpetual preferred stock$0
Common stock$100
Surplus$3,400
Undivided profits $15,050
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $291
Earning assets $0
Long-term assets (5+ years) $663
Average Assets, year-to-date $144,735
Average Assets, quarterly $39,665
Volatile liabilities $140,945
Insider loans $144,811
FHLB advances $64,902
Loans and leases held for sale $148,938
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $16,522
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,277
Derivatives$135
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,874
Total interest expense $963
Net interest income $4,911
Provision for loan and lease losses $300
Total noninterest income $544
Fiduciary activities $0
Service charges on deposit accounts $357
Trading account gains & fees $0
Additional noninterest income $187
Total noninterest expense $2,804
Salaries and employee benefits $1,343
Premises and equipment expense $252
Additional noninterest expense $1,209
Pre-tax net operating income $2,351
Securities gains (losses) $254
Applicable income taxes $0
Income before extraordinary items $2,605
Extraordinary gains - net $0
Net income attributable to bank $2,605
Net charge-offs $0
Cash dividends $2,605
Sale, conversion, retirement of capital stock, net $226
Net operating income $1,999
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.27%
Cost of funding earning assets 0.70%
Net interest margin 3.57%
Noninterest income to earning assets 0.40%
Noninterest expense to earning assets 2.04%
Net operating income to assets 1.67%
Return on assets (ROA) 1.85%
Pretax return on assets 1.85%
Return on equity (ROE) 14.08%
Retained earnings to average equity (YTD only) 3.28%
Net charge-offs to loans 0.48%
Credit loss provision to net charge-offs 132.74%
Efficiency ratio11.73%
Assets per employee$51,256
Cash dividends to net income (YTD only)5.67%
Condition Ratios (%)
Loss allowance to loans 76.74%
Loss allowance to noncurrent loans 1.33%
Noncurrent assets plus other real estate owned to assets 212.71%
Noncurrent loans to loans 0.38%
Net loans and leases to deposits0.62%
Net loans and leases to core deposits 35.76%
Equity capital to assets 42.22%
Core capital (leverage) ratio 12.58%
Tier 1 risk-based capital ratio 11.09%
Total risk-based capital ratio 25.46%
Memoranda
Average assets$26
Average earning assets$140,945
Average equity $18,500
Average loans $137,522
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1 Wyoming Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0800First State Bank Of Newcastle24 North Sumner Avenue, Newcastle, WY 82701August 22, 1924Full Service Brick and Mortar
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