Pinnacle Bank in Cody, Wyoming (WY)

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Pinnacle Bank
GeneralFDIC Certificate #: 22860
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Pinnacle Bank - Wyoming (#2232)
Federal Reserve ID: 887751
Date Established: May 14, 1979
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Interstate: No)
FDIC's unique #: 15974
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: May 14, 1979
Last Structure Change Effective Date: October 21, 2000
Last Structure Change Process Date: November 02, 2000
Last Data Update: November 02, 2000
Data Source Date: April 05, 2012
LocationAddress: 1702 17th Street, Cody, WY 82414
County: Park
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: Kansas City
FDIC Field Office: Billings
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Financial SummaryTotal assets: $139.8 mil

1992 - 1999 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, 1999)
(Dollar figures in thousands)
Total employees (full-time equivalent)56
Total assets$135,490
Cash and due from depository institutions$5,083
Interest-bearing balances$893
Federal funds sold & reverse repurchase agreements$3,947
Net loans & leases$73,939
Loan loss allowance $1,812
Trading account assets$0
Bank premises and fixed assets$3,230
Other real estate owned$150
Goodwill and other intangibles$0
All other assets$1,432
Life insurance assets$0
Total liabilities and capital$135,490
Total liabilities$124,237
Total deposits$121,583
Interest-bearing deposits$107,370
Deposits held in domestic offices$121,583
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $890
Subordinated debt $0
All other liabilities $1,764
Total equity capital$11,253
Total bank equity capital$11,253
Perpetual preferred stock$11,253
Common stock$0
Undivided profits $10,938
Noncurrent loans and leases $-299
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $12,243
Income earned, not collected on loans $0
Earning assets $667
Long-term assets (5+ years) $0
Average Assets, year-to-date $720
Average Assets, quarterly $126,488
Volatile liabilities $20,768
Insider loans $137,692
FHLB advances $136,856
Loans and leases held for sale $15,505
Unused loan commitments $2,475
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $12,243
Restructured Loans and leases $0
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Income and Expense (December 31, 1999)
(Dollar figures in thousands)
Total interest income $9,946
Total interest expense $4,036
Net interest income $5,910
Provision for loan and lease losses $170
Total noninterest income $687
Fiduciary activities $0
Service charges on deposit accounts $415
Trading account gains & fees $0
Additional noninterest income $272
Total noninterest expense $3,854
Salaries and employee benefits $1,881
Premises and equipment expense $609
Additional noninterest expense $1,364
Pre-tax net operating income $2,573
Securities gains (losses) $0
Applicable income taxes $749
Income before extraordinary items $1,824
Extraordinary gains - net $0
Net income attributable to bank $1,824
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net -$79
Net operating income $1,901
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Performance and Condition Ratios (December 31, 1999)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets7.72%
Cost of funding earning assets 3.13%
Net interest margin 4.59%
Noninterest income to earning assets 0.53%
Noninterest expense to earning assets 2.99%
Net operating income to assets 1.32%
Return on assets (ROA) 1.32%
Pretax return on assets 1.87%
Return on equity (ROE) 15.30%
Retained earnings to average equity (YTD only) -0.65%
Net charge-offs to loans -0.10%
Credit loss provision to net charge-offs -215.19%
Efficiency ratio0.00%
Assets per employee$58,420
Cash dividends to net income (YTD only)2.42%
Condition Ratios (%)
Loss allowance to loans 104.22%
Loss allowance to noncurrent loans 2.39%
Noncurrent assets plus other real estate owned to assets 271.66%
Noncurrent loans to loans 0.60%
Net loans and leases to deposits0.88%
Net loans and leases to core deposits 60.81%
Equity capital to assets 69.70%
Core capital (leverage) ratio 8.31%
Tier 1 risk-based capital ratio 8.40%
Total risk-based capital ratio 13.42%
Average assets$15
Average earning assets$137,692
Average equity $11,920
Average loans $128,755
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