Security First Bank in Cheyenne, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Security First Bank in Cheyenne, Wyoming (WY)
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Security First Bank - Overview

  • General
  • FDIC Certificate #: 31966
    Status: Active
    Federal Reserve ID: 529172
    Bank Holding Company (Regulatory Top Holder): First State Bancshares, Inc. (RSSDID: 1057850, Location: Scottsbluff, NE)
    Date Established: January 01, 1978
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 7664
    FDIC's unique #: 44800
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 06, 1979
    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: 500 West 18th Street, Cheyenne, WY 82001
    County: Laramie
    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
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $63.6 mil
    Equity capital: $6.3 mil
    Deposits held in domestic offices: $55.8 mil
    Return on assets (ROA): 1.17% ($0.7 mil)
    Quarterly return on assets: 0.84% ($0.5 mil)
    Return on Equity (ROE): 12.06% ($0.7 mil)
    Quarterly return on equity: 8.75% ($0.5 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.17% ($744.6 mil)
    Quarterly Pretax return on assets: 0.84% ($534.6 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
  • 23Total employees (full-time equivalent)
  • $63,639Total assets
  • $8,990Cash and due from depository institutions
  • $3,125Interest-bearing balances
  • $3,361Securities
  • $6,135Federal funds sold & reverse repurchase agreements
  • $40,040Net loans & leases
  • $990Loan loss allowance
  • $0Trading account assets
  • $3,794Bank premises and fixed assets
  • $386Other real estate owned
  • $0Goodwill and other intangibles
  • $63,639Life insurance assets
  • $933All other assets
  • $57,365Total liabilities and capital
  • $55,779Total liabilities
  • $42,594Total deposits
  • $55,779Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,509Trading liabilities
  • $0Other borrowed funds
  • $77Subordinated debt
  • $6,274All other liabilities
  • $6,274Total equity capital
  • $6,274Total bank equity capital
  • $0Perpetual preferred stock
  • $770Common stock
  • $3,469Surplus
  • $2,035Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $297Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $40Income earned, not collected on loans
  • $0Earning assets
  • $220Long-term assets (5+ years)
  • $52,661Average Assets, year-to-date
  • $1,592Average Assets, quarterly
  • $64,218Volatile liabilities
  • $64,965Insider loans
  • $47,604FHLB advances
  • $63,883Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,304Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,445Restructured Loans and leases
  • $686Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,590Total interest income
  • $444Total interest expense
  • $2,146Net interest income
  • $180Provision for loan and lease losses
  • $836Total noninterest income
  • $0Fiduciary activities
  • $173Service charges on deposit accounts
  • $0Trading account gains & fees
  • $663Additional noninterest income
  • $2,066Total noninterest expense
  • $1,015Salaries and employee benefits
  • $272Premises and equipment expense
  • $779Additional noninterest expense
  • $736Pre-tax net operating income
  • $17Securities gains (losses)
  • $0Applicable income taxes
  • $753Income before extraordinary items
  • $0Extraordinary gains - net
  • $753Net income attributable to bank
  • $0Net charge-offs
  • $753Cash dividends
  • $159Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.98%Net interest margin
  • 1.55%Noninterest income to earning assets
  • 3.83%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 12.06%Return on equity (ROE)
  • 2.45%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 113.21%Credit loss provision to net charge-offs
  • 5.76%Efficiency ratio
  • 69,282Assets per employee
  • 2.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 79.68%Loss allowance to loans
  • 2.41%Loss allowance to noncurrent loans
  • 2475.00%Noncurrent assets plus other real estate owned to assets
  • 0.67%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 71.78%Net loans and leases to core deposits
  • 80.78%Equity capital to assets
  • 9.86%Core capital (leverage) ratio
  • 9.87%Tier 1 risk-based capital ratio
  • 13.24%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $64,218Average earning assets
  • $6,244Average equity
  • $53,931Average loans

List of branches

  • 3 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044800Security First Bank500 West 18th Street, Cheyenne, WY 82001January 01, 1978Full Service Brick and Mortar
    2275245Laramie Branch608 Grand Avenue, Laramie, WY 82070August 16, 1935Full Service Brick and Mortar
    3286365Cheyenne Branch2501 East Lincoln Way, Cheyenne, WY 82001March 01, 1991Full Service Brick and Mortar

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