First State Bank of Wyoming in Wyoming, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First State Bank of Wyoming in Wyoming, Minnesota (MN)
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First State Bank of Wyoming - Overview

  • General
  • FDIC Certificate #: 1609
    Status: Active
    Federal Reserve ID: 222156
    Bank Holding Company (Regulatory Top Holder): Wyoming Bancshares, Inc. (RSSDID: 1128554, Location: Wyoming, MN)
    Date Established: June 04, 1914
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 13849
    FDIC's unique #: 1052
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Commercial Lending 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: 26741 Felton, Wyoming, MN 55092
    County: Chisago
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Minneapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Minneapolis-St. Paul, MN-WI (#5120)
    Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
    Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
    CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $142.7 mil
    Equity capital: $22.5 mil
    Deposits held in domestic offices: $119.7 mil
    Return on assets (ROA): 0.17% ($0.2 mil)
    Quarterly return on assets: -0.90% (-$1.3 mil)
    Return on Equity (ROE): 1.09% ($0.2 mil)
    Quarterly return on equity: -5.63% (-$1.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: 0.33% ($471.0 mil)
    Quarterly Pretax return on assets: -0.96% (-$1,370.3 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
  • 26Total employees (full-time equivalent)
  • $142,737Total assets
  • $4,100Cash and due from depository institutions
  • $1,588Interest-bearing balances
  • $68,029Securities
  • $1,633Federal funds sold & reverse repurchase agreements
  • $62,267Net loans & leases
  • $1,866Loan loss allowance
  • $0Trading account assets
  • $858Bank premises and fixed assets
  • $3,072Other real estate owned
  • $0Goodwill and other intangibles
  • $142,737Life insurance assets
  • $2,778All other assets
  • $120,241Total liabilities and capital
  • $119,743Total liabilities
  • $104,104Total deposits
  • $119,743Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $498Subordinated debt
  • $22,496All other liabilities
  • $22,496Total equity capital
  • $22,496Total bank equity capital
  • $0Perpetual preferred stock
  • $80Common stock
  • $9,920Surplus
  • $12,496Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,056Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,103Income earned, not collected on loans
  • $0Earning assets
  • $718Long-term assets (5+ years)
  • $133,517Average Assets, year-to-date
  • $51,217Average Assets, quarterly
  • $141,379Volatile liabilities
  • $142,385Insider loans
  • $82,623FHLB advances
  • $141,952Loans and leases held for sale
  • $943Unused loan commitments
  • $943Tier 1 (core) risk-based capital
  • $21,364Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,021Restructured Loans and leases
  • $1,625Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,088Total interest income
  • $1,321Total interest expense
  • $4,767Net interest income
  • $1,400Provision for loan and lease losses
  • $1,023Total noninterest income
  • $0Fiduciary activities
  • $377Service charges on deposit accounts
  • $0Trading account gains & fees
  • $646Additional noninterest income
  • $4,114Total noninterest expense
  • $1,799Salaries and employee benefits
  • $317Premises and equipment expense
  • $1,998Additional noninterest expense
  • $276Pre-tax net operating income
  • $190Securities gains (losses)
  • $223Applicable income taxes
  • $243Income before extraordinary items
  • $0Extraordinary gains - net
  • $243Net income attributable to bank
  • $0Net charge-offs
  • $243Cash dividends
  • $967Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.62%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 0.09%Net operating income to assets
  • 0.17%Return on assets (ROA)
  • 0.33%Pretax return on assets
  • 1.09%Return on equity (ROE)
  • 1.09%Retained earnings to average equity (YTD only)
  • 1.47%Net charge-offs to loans
  • 144.78%Credit loss provision to net charge-offs
  • 1.73%Efficiency ratio
  • 71,054Assets per employee
  • 5.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.91%Loss allowance to noncurrent loans
  • 88.73%Noncurrent assets plus other real estate owned to assets
  • 3.63%Noncurrent loans to loans
  • 3.28%Net loans and leases to deposits
  • 52.00%Net loans and leases to core deposits
  • 55.45%Equity capital to assets
  • 15.76%Core capital (leverage) ratio
  • 15.05%Tier 1 risk-based capital ratio
  • 25.86%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $141,379Average earning assets
  • $22,386Average equity
  • $131,762Average loans

List of branches

  • 2 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01052First State Bank Of Wyoming26741 Felton, Wyoming, MN 55092June 04, 1914Full Service Brick and Mortar
    1189905Detached Facility6115 Stacy Trail, Stacy, MN 55079March 01, 1978Limited Service Facility

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