First State Bank of Wyoming in city_name, state_name - Detailed Financial Reports, Location

First State Bank of Wyoming in Wyoming, Minnesota (MN)
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First State Bank of Wyoming routing number info

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
WWW: http://www.wyoming-bank.com
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

No	ID	Name	Address	Established	Service Type	Map
0	1052	First State Bank Of Wyoming	26741 Felton, Wyoming, MN 55092	June 04, 1914	Full Service Brick and Mortar
1	189905	Detached Facility	6115 Stacy Trail, Stacy, MN 55079	March 01, 1978	Limited Service Facility

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

First State Bank of Wyoming - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

First State Bank of Wyoming - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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