Lusk State Bank in Lusk, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Lusk State Bank - Overview

  • General
  • FDIC Certificate #: 8724
    Status: Active
    Federal Reserve ID: 912550
    Bank Holding Company (Regulatory Top Holder): Bankers Capital Corporation (RSSDID: 1051353, Location: Lusk, WY)
    Date Established: May 26, 1924
    WWW: http://www.luskstatebank.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 #: 5555
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 30, 2008
    Last Structure Change Process Date: May 30, 2008
    Last Data Update: May 30, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 445 South Main St, Lusk, WY 82225
    County: Niobrara
    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 Changes
  • Change in Location
  • Financial Summary
  • Total assets: $50.8 mil
    Equity capital: $5.2 mil
    Deposits held in domestic offices: $45.5 mil
    Return on assets (ROA): 3.32% ($1.7 mil)
    Quarterly return on assets: 6.01% ($3.1 mil)
    Return on Equity (ROE): 34.62% ($1.7 mil)
    Quarterly return on equity: 62.45% ($3.1 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 3.32% ($1,687.5 mil)
    Quarterly Pretax return on assets: 6.01% ($3,054.8 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, 2011)

  • Dollar figures in thousands
  • 12Total employees (full-time equivalent)
  • $50,828Total assets
  • $8,752Cash and due from depository institutions
  • $7,361Interest-bearing balances
  • $3,200Securities
  • $6,700Federal funds sold & reverse repurchase agreements
  • $29,810Net loans & leases
  • $391Loan loss allowance
  • $0Trading account assets
  • $397Bank premises and fixed assets
  • $162Other real estate owned
  • $632Goodwill and other intangibles
  • $50,828Life insurance assets
  • $1,175All other assets
  • $45,649Total liabilities and capital
  • $45,529Total liabilities
  • $33,938Total deposits
  • $45,529Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $120Subordinated debt
  • $5,179All other liabilities
  • $5,179Total equity capital
  • $5,179Total bank equity capital
  • $0Perpetual preferred stock
  • $40Common stock
  • $1,610Surplus
  • $3,529Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $257Income earned, not collected on loans
  • $0Earning assets
  • $537Long-term assets (5+ years)
  • $47,071Average Assets, year-to-date
  • $4,016Average Assets, quarterly
  • $45,983Volatile liabilities
  • $50,013Insider loans
  • $31,701FHLB advances
  • $50,207Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,917Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,408Restructured Loans and leases
  • $2,737Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,472Total interest income
  • $312Total interest expense
  • $2,160Net interest income
  • $55Provision for loan and lease losses
  • $674Total noninterest income
  • $0Fiduciary activities
  • $139Service charges on deposit accounts
  • $0Trading account gains & fees
  • $535Additional noninterest income
  • $1,252Total noninterest expense
  • $714Salaries and employee benefits
  • $119Premises and equipment expense
  • $419Additional noninterest expense
  • $1,527Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,527Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,527Net income attributable to bank
  • $0Net charge-offs
  • $1,527Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $654Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.79%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 5.06%Net interest margin
  • 1.58%Noninterest income to earning assets
  • 2.93%Noninterest expense to earning assets
  • 3.32%Net operating income to assets
  • 3.32%Return on assets (ROA)
  • 3.32%Pretax return on assets
  • 34.62%Return on equity (ROE)
  • 19.79%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 785.71%Credit loss provision to net charge-offs
  • 226.00%Efficiency ratio
  • 44,178Assets per employee
  • 4.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.83%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 152.14%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 0.85%Net loans and leases to deposits
  • 65.47%Net loans and leases to core deposits
  • 78.65%Equity capital to assets
  • 10.19%Core capital (leverage) ratio
  • 9.79%Tier 1 risk-based capital ratio
  • 15.51%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $45,983Average earning assets
  • $4,411Average equity
  • $42,702Average loans

List of branches

  • 1 Wyoming Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05555Lusk State Bank445 South Main St, Lusk, WY 82225May 26, 1924Full Service Brick and Mortar

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