The First National Bank of Buffalo in Buffalo, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank of Buffalo - Overview

  • General
  • FDIC Certificate #: 2208
    Status: Active
    Federal Reserve ID: 868956
    Bank Holding Company (Regulatory Top Holder): First National Buffalo Bankshares, Inc. (RSSDID: 1057243, Location: Buffalo, WY)
    Date Established: Febuary 02, 1885
    WWW: http://www.fnb-buffalo.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13172
    FDIC's unique #: 1464
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 28, 2010
    Last Structure Change Process Date: May 28, 2010
    Last Data Update: May 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 141 South Main Street, Buffalo, WY 82834
    County: Johnson
    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
  • Financial Summary
  • Total assets: $216.0 mil
    Equity capital: $19.7 mil
    Deposits held in domestic offices: $195.7 mil
    Return on assets (ROA): 1.06% ($2.3 mil)
    Quarterly return on assets: 1.60% ($3.5 mil)
    Return on Equity (ROE): 12.02% ($2.4 mil)
    Quarterly return on equity: 17.25% ($3.5 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.06% ($2,289.7 mil)
    Quarterly Pretax return on assets: 1.60% ($3,456.2 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
  • 55Total employees (full-time equivalent)
  • $216,013Total assets
  • $18,457Cash and due from depository institutions
  • $9,691Interest-bearing balances
  • $62,500Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $125,088Net loans & leases
  • $2,303Loan loss allowance
  • $0Trading account assets
  • $6,004Bank premises and fixed assets
  • $474Other real estate owned
  • $0Goodwill and other intangibles
  • $216,013Life insurance assets
  • $3,490All other assets
  • $196,358Total liabilities and capital
  • $195,664Total liabilities
  • $170,478Total deposits
  • $195,664Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $399Trading liabilities
  • $0Other borrowed funds
  • $295Subordinated debt
  • $19,655All other liabilities
  • $19,655Total equity capital
  • $19,655Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $500Surplus
  • $18,655Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,551Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,440Income earned, not collected on loans
  • $782Earning assets
  • $1,610Long-term assets (5+ years)
  • $197,279Average Assets, year-to-date
  • $58,175Average Assets, quarterly
  • $209,769Volatile liabilities
  • $211,323Insider loans
  • $141,003FHLB advances
  • $209,628Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,352Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,924Restructured Loans and leases
  • $1,552Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,579Total interest income
  • $1,536Total interest expense
  • $9,043Net interest income
  • $1,000Provision for loan and lease losses
  • $1,019Total noninterest income
  • $348Fiduciary activities
  • $196Service charges on deposit accounts
  • $0Trading account gains & fees
  • $475Additional noninterest income
  • $6,849Total noninterest expense
  • $3,928Salaries and employee benefits
  • $1,032Premises and equipment expense
  • $1,889Additional noninterest expense
  • $2,213Pre-tax net operating income
  • $11Securities gains (losses)
  • $0Applicable income taxes
  • $2,224Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,224Net income attributable to bank
  • $0Net charge-offs
  • $2,224Cash dividends
  • $864Sale, conversion, retirement of capital stock, net
  • $930Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.71%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 3.57%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 12.02%Return on equity (ROE)
  • 6.99%Retained earnings to average equity (YTD only)
  • 0.71%Net charge-offs to loans
  • 115.74%Credit loss provision to net charge-offs
  • 3.72%Efficiency ratio
  • 68,068Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.82%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 66.95%Noncurrent assets plus other real estate owned to assets
  • 1.81%Noncurrent loans to loans
  • 2.70%Net loans and leases to deposits
  • 63.93%Net loans and leases to core deposits
  • 67.18%Equity capital to assets
  • 9.10%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 13.02%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $209,769Average earning assets
  • $18,503Average equity
  • $192,013Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $31,823,515Managed Assets
  • 1Number of Accounts
  • $31,823,515Personal trust and agency accounts
  • $31,823,515Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 28698Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01464The First National Bank Of Buffalo141 South Main Street, Buffalo, WY 82834Febuary 02, 1885Full Service Brick and Mortar
    1492777Sheridan Branch29 N Gould St, Sheridan, WY 82801June 01, 2009Full Service Brick and Mortar
    2492778Lpo Office Branch101 S Osborne Ave, Gillette, WY 82716June 01, 2009Limited Service Loan Production

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