Rocky Mountain Bank in Wilson, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Rocky Mountain Bank - Overview

  • General
  • FDIC Certificate #: 24334
    Status: Active
    Federal Reserve ID: 24453
    Bank Holding Company (Regulatory Top Holder): Rocky Mountain Capital (RSSDID: 1134818, Location: Jackson, WY)
    Date Established: Febuary 24, 1983
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9491
    FDIC's unique #: 16928
    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: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 24, 1983
    Last Structure Change Effective Date: January 25, 2012
    Last Structure Change Process Date: January 25, 2012
    Last Data Update: January 25, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 4050 West Lake Creek Drive, Wilson, WY 83014
    County: Teton
    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
    Core Based Statistical Area (CBSA): Jackson, WY-ID (#27220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $222.2 mil
    Equity capital: $6.3 mil
    Deposits held in domestic offices: $180.6 mil
    Return on assets (ROA): -3.73% (-$8.3 mil)
    Quarterly return on assets: -3.66% (-$8.1 mil)
    Return on Equity (ROE): -85.57% (-$5.1 mil)
    Quarterly return on equity: -114.82% (-$6.9 mil)
    Net income: -$9.3 mil
    Quarterly Net income: -$2.1 mil
    Pretax return on assets: -3.73% (-$8,288.6 mil)
    Quarterly Pretax return on assets: -3.66% (-$8,133.1 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
  • 43Total employees (full-time equivalent)
  • $222,215Total assets
  • $35,524Cash and due from depository institutions
  • $33,731Interest-bearing balances
  • $16,535Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $140,911Net loans & leases
  • $9,495Loan loss allowance
  • $0Trading account assets
  • $22,846Bank premises and fixed assets
  • $1,419Other real estate owned
  • $55Goodwill and other intangibles
  • $222,215Life insurance assets
  • $4,925All other assets
  • $215,938Total liabilities and capital
  • $180,563Total liabilities
  • $145,028Total deposits
  • $180,563Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $34,134Trading liabilities
  • $0Other borrowed funds
  • $1,241Subordinated debt
  • $6,277All other liabilities
  • $6,277Total equity capital
  • $6,277Total bank equity capital
  • $0Perpetual preferred stock
  • $929Common stock
  • $34,790Surplus
  • $-29,442Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $136Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21,600Income earned, not collected on loans
  • $0Earning assets
  • $629Long-term assets (5+ years)
  • $191,177Average Assets, year-to-date
  • $7,707Average Assets, quarterly
  • $250,323Volatile liabilities
  • $229,885Insider loans
  • $157,121FHLB advances
  • $230,448Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,204Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,694Restructured Loans and leases
  • $3,222Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,666Total interest income
  • $3,546Total interest expense
  • $5,120Net interest income
  • $3,512Provision for loan and lease losses
  • -$530Total noninterest income
  • $0Fiduciary activities
  • $106Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$636Additional noninterest income
  • $10,423Total noninterest expense
  • $4,132Salaries and employee benefits
  • $1,995Premises and equipment expense
  • $4,296Additional noninterest expense
  • -$9,345Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$9,345Income before extraordinary items
  • $0Extraordinary gains - net
  • -$9,345Net income attributable to bank
  • $0Net charge-offs
  • -$9,345Cash dividends
  • $4,473Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.00%Yield on earning assets
  • 1.64%Cost of funding earning assets
  • 2.36%Net interest margin
  • -0.24%Noninterest income to earning assets
  • 4.81%Noninterest expense to earning assets
  • -3.73%Net operating income to assets
  • -3.73%Return on assets (ROA)
  • -3.73%Pretax return on assets
  • -85.57%Return on equity (ROE)
  • -85.57%Retained earnings to average equity (YTD only)
  • 2.68%Net charge-offs to loans
  • 78.52%Credit loss provision to net charge-offs
  • -1.30%Efficiency ratio
  • 224,684Assets per employee
  • 5.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.31%Loss allowance to noncurrent loans
  • 43.96%Noncurrent assets plus other real estate owned to assets
  • 10.36%Noncurrent loans to loans
  • 14.36%Net loans and leases to deposits
  • 78.04%Net loans and leases to core deposits
  • 98.15%Equity capital to assets
  • 2.82%Core capital (leverage) ratio
  • 2.69%Tier 1 risk-based capital ratio
  • 3.95%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $250,323Average earning assets
  • $10,921Average equity
  • $216,766Average loans

List of branches

  • 4 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016928Rocky Mountain Bank4050 West Lake Creek Drive, Wilson, WY 83014Febuary 24, 1983Full Service Brick and Mortar
    1447201Pinedale Brance145 E. Pine, Pinedale, WY 82941January 26, 2006Full Service Brick and Mortar
    2452203Rock Springs Branch2515 Foothill Blvd., Rock Springs, WY 82901June 30, 2006Full Service Brick and Mortar
    3482607Jackson Branch890 W Broadway, Jackson, WY 83001November 24, 2008Full Service Brick and Mortar

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