FDIC Certificate #: 1169 Status: Active Federal Reserve ID: 94755 Bank Holding Company (Regulatory Top Holder): Sundance State Bank Profit Sharing And Employee Stock Ownership Plan And Trust (RSSDID: 3157008, Location: Sundance, WY) Date Established: January 01, 1895 WWW:http://www.sundancestatebank.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 #: 801 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 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: 123 South 2nd Street, Sundance, WY 82729 County: Crook 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $137.8 mil Equity capital: $11.4 mil Deposits held in domestic offices: $126.1 mil Return on assets (ROA): 1.05% ($1.4 mil) Quarterly return on assets: 1.06% ($1.5 mil) Return on Equity (ROE): 12.78% ($1.4 mil) Quarterly return on equity: 12.27% ($1.3 mil) Net income: $1.4 mil Quarterly Net income: $0.4 mil Pretax return on assets: 1.40% ($1,929.7 mil) Quarterly Pretax return on assets: 1.30% ($1,791.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$137,838Total assets
$5,711Cash and due from depository institutions
$1,076Interest-bearing balances
$48,479Securities
$0Federal funds sold & reverse repurchase agreements
$77,203Net loans & leases
$1,286Loan loss allowance
$0Trading account assets
$2,621Bank premises and fixed assets
$89Other real estate owned
$0Goodwill and other intangibles
$137,838Life insurance assets
$3,735All other assets
$126,404Total liabilities and capital
$126,067Total liabilities
$108,100Total deposits
$126,067Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$337Subordinated debt
$11,434All other liabilities
$11,434Total equity capital
$11,434Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$1,950Surplus
$9,434Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,540Income earned, not collected on loans
$0Earning assets
$993Long-term assets (5+ years)
$126,758Average Assets, year-to-date
$51,864Average Assets, quarterly
$131,286Volatile liabilities
$133,871Insider loans
$92,982FHLB advances
$136,129Loans and leases held for sale
$2,326Unused loan commitments
$2,326Tier 1 (core) risk-based capital
$10,627Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,637Restructured Loans and leases
$1,428Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,876Total interest income
$1,631Total interest expense
$4,245Net interest income
$475Provision for loan and lease losses
$409Total noninterest income
$0Fiduciary activities
$247Service charges on deposit accounts
$0Trading account gains & fees
$162Additional noninterest income
$2,440Total noninterest expense
$1,410Salaries and employee benefits
$290Premises and equipment expense
$740Additional noninterest expense
$1,739Pre-tax net operating income
$99Securities gains (losses)
$459Applicable income taxes
$1,379Income before extraordinary items
$0Extraordinary gains - net
$1,379Net income attributable to bank
$0Net charge-offs
$1,379Cash dividends
$437Sale, conversion, retirement of capital stock, net
$565Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.80%Yield on earning assets
1.33%Cost of funding earning assets
3.47%Net interest margin
0.33%Noninterest income to earning assets
2.00%Noninterest expense to earning assets
0.99%Net operating income to assets
1.05%Return on assets (ROA)
1.40%Pretax return on assets
12.78%Return on equity (ROE)
7.54%Retained earnings to average equity (YTD only)
0.57%Net charge-offs to loans
108.70%Credit loss provision to net charge-offs
5.07%Efficiency ratio
52,428Assets per employee
6.56%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.97%Loss allowance to loans
1.64%Loss allowance to noncurrent loans
83.51%Noncurrent assets plus other real estate owned to assets
1.18%Noncurrent loans to loans
1.96%Net loans and leases to deposits
61.24%Net loans and leases to core deposits
67.32%Equity capital to assets
8.30%Core capital (leverage) ratio
7.81%Tier 1 risk-based capital ratio
11.43%Total risk-based capital ratio
Memoranda
$13Average assets
$131,286Average earning assets
$10,792Average equity
$122,295Average loans
List of branches
1 Wyoming Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
801
Sundance State Bank
123 South 2nd Street, Sundance, WY 82729
January 01, 1895
Full Service Brick and Mortar
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