The Equality State Bank in Cheyenne, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 16, 2000

  • The Equality State Bank in Cheyenne, Wyoming (WY)
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The Equality State Bank - Overview

  • General
  • FDIC Certificate #: 22547
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Interstate Bank (#524)
    Federal Reserve ID: 881450
    Date Established: November 07, 1977
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 13631
    FDIC's unique #: 15724
    Numeric code: 21
    Regulator: FDIC
    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: November 07, 1977
    Last Structure Change Effective Date: September 16, 2000
    Last Structure Change Process Date: September 21, 2000
    Last Data Update: September 21, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 West 19th Street, 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)
  • Financial Summary
  • Total assets: $93.5 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
  • 49Total employees (full-time equivalent)
  • $92,452Total assets
  • $6,746Cash and due from depository institutions
  • $15Interest-bearing balances
  • $16,870Securities
  • $6,605Federal funds sold & reverse repurchase agreements
  • $60,636Net loans & leases
  • $509Loan loss allowance
  • $0Trading account assets
  • $442Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,153All other assets
  • $92,452Total liabilities and capital
  • $83,898Total liabilities
  • $81,671Total deposits
  • $62,376Interest-bearing deposits
  • $81,671Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,000Other borrowed funds
  • $0Subordinated debt
  • $227All other liabilities
  • $8,554Total equity capital
  • $8,554Total bank equity capital
  • $8,554Perpetual preferred stock
  • $0Common stock
  • $994Surplus
  • $4,131Undivided profits
  • Memoranda
  • $3,429Noncurrent loans and leases
  • $12,317Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $605Earning assets
  • $0Long-term assets (5+ years)
  • $603Average Assets, year-to-date
  • $84,126Average Assets, quarterly
  • $7,446Volatile liabilities
  • $90,167Insider loans
  • $90,942FHLB advances
  • $13,223Loans and leases held for sale
  • $2,321Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,814Total risk weighted assets
  • $12,317Total unused commitments
  • $102Restructured Loans and leases
  • $509Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $7,016Total interest income
  • $2,174Total interest expense
  • $4,842Net interest income
  • $244Provision for loan and lease losses
  • $879Total noninterest income
  • $0Fiduciary activities
  • $376Service charges on deposit accounts
  • $0Trading account gains & fees
  • $503Additional noninterest income
  • $2,976Total noninterest expense
  • $1,537Salaries and employee benefits
  • $472Premises and equipment expense
  • $967Additional noninterest expense
  • $2,501Pre-tax net operating income
  • $0Securities gains (losses)
  • $852Applicable income taxes
  • $1,649Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,649Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $118Sale, conversion, retirement of capital stock, net
  • $894Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.51%Yield on earning assets
  • 2.64%Cost of funding earning assets
  • 5.87%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 3.61%Noninterest expense to earning assets
  • 1.83%Net operating income to assets
  • 1.83%Return on assets (ROA)
  • 2.77%Pretax return on assets
  • 19.28%Return on equity (ROE)
  • 8.83%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 206.78%Credit loss provision to net charge-offs
  • 23.26%Efficiency ratio
  • 52,019Assets per employee
  • 1.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.21%Loss allowance to loans
  • 0.83%Loss allowance to noncurrent loans
  • 84.13%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 74.24%Net loans and leases to core deposits
  • 86.07%Equity capital to assets
  • 9.25%Core capital (leverage) ratio
  • 9.74%Tier 1 risk-based capital ratio
  • 13.56%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $90,167Average earning assets
  • $8,553Average equity
  • $82,446Average loans

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