Rocky Mountain Bank, F.S.B. in Cheyenne, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 25, 1994

  • Rocky Mountain Bank, F.S.B. in Cheyenne, Wyoming (WY)
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Rocky Mountain Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 29459
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First Bank, Federal Savings Bank (#28256)
    Federal Reserve ID: 437576
    Date Established: June 10, 1935
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3486
    FDIC's unique #: 42293
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: June 10, 1935
    Last Structure Change Effective Date: March 25, 1994
    Last Structure Change Process Date: April 20, 1994
    Last Data Update: March 10, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 2020 Carey Ave, Cheyenne, WY 82001
    County: Laramie
    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
    Metropolitan Statistical Area (MSA): Cheyenne, WY (#1580)
    Core Based Statistical Area (CBSA): Cheyenne, WY (#16940)
    CBSA Metro Statistical Area: Cheyenne, WY (#16940)
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $539.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $292Total assets
  • $539,316Cash and due from depository institutions
  • $12,987Interest-bearing balances
  • $4,136Securities
  • $205,505Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $282,503Loan loss allowance
  • $3,224Trading account assets
  • $0Bank premises and fixed assets
  • $10,257Other real estate owned
  • $2,060Goodwill and other intangibles
  • $25,474Life insurance assets
  • $530All other assets
  • $0Total liabilities and capital
  • $539,316Total liabilities
  • $504,573Total deposits
  • $430,900Interest-bearing deposits
  • $401,564Deposits held in domestic offices
  • 430900.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $68,164Subordinated debt
  • $0All other liabilities
  • $5,509Total equity capital
  • $5,509Total bank equity capital
  • $34,743Perpetual preferred stock
  • $0Common stock
  • $10,000Surplus
  • $11,342Undivided profits
  • Memoranda
  • $13,401Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,355Income earned, not collected on loans
  • $1,782Earning assets
  • $492,144Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $534,977Average Assets, quarterly
  • $549,289Volatile liabilities
  • $145,166Insider loans
  • $132FHLB advances
  • $68,164Loans and leases held for sale
  • $0Unused loan commitments
  • $36,514Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $32,670Total risk weighted assets
  • $327,036Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $38,119Total interest expense
  • $20,182Net interest income
  • $17,937Provision for loan and lease losses
  • $110Total noninterest income
  • $4,906Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $4,906Total noninterest expense
  • $18,660Salaries and employee benefits
  • $8,837Premises and equipment expense
  • $3,124Additional noninterest expense
  • $6,699Pre-tax net operating income
  • $4,073Securities gains (losses)
  • $2,922Applicable income taxes
  • $1,159Income before extraordinary items
  • $5,836Extraordinary gains - net
  • $2Net income attributable to bank
  • $5,838Net charge-offs
  • $1,301Cash dividends
  • $3,100Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.73%Cost of funding earning assets
  • 4.09%Net interest margin
  • 3.64%Noninterest income to earning assets
  • 1.00%Noninterest expense to earning assets
  • 3.79%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 1.31%Return on equity (ROE)
  • 17.08%Retained earnings to average equity (YTD only)
  • 8.01%Net charge-offs to loans
  • 0.46%Credit loss provision to net charge-offs
  • 8.46%Efficiency ratio
  • 76,846Assets per employee
  • 1.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.10%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 237.93%Noncurrent assets plus other real estate owned to assets
  • 0.63%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 65.56%Net loans and leases to core deposits
  • 79.83%Equity capital to assets
  • 6.44%Core capital (leverage) ratio
  • 6.09%Tier 1 risk-based capital ratio
  • 9.99%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $534,977Average earning assets
  • $34,180Average equity
  • $492,981Average loans

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