The First National Bank of Wyoming in Wyoming, Delaware (DE)

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The First National Bank of Wyoming routing number info

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The First National Bank of Wyoming
GeneralFDIC Certificate #: 4819
Status: Active
Federal Reserve ID: 323718
Bank Holding Company (Regulatory Top Holder): First Wyoming Financial Corporation (RSSDID: 3387935, Location: Wyoming, DE)
Date Established: March 09, 1909
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 15619
FDIC's unique #: 3215
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending 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
LocationAddress: 120 West Camden-Wyoming Avenue, Wyoming, DE 19934
County: Kent
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Claymont
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Dover, DE (#2190)
Core Based Statistical Area (CBSA): Dover, DE (#20100)
CBSA Metro Statistical Area: Dover, DE (#20100)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $288.5 mil
Equity capital: $46.2 mil
Deposits held in domestic offices: $230.3 mil
Return on assets (ROA): 0.25% ($0.7 mil)
Quarterly return on assets: -0.19% (-$0.5 mil)
Return on Equity (ROE): 1.57% ($0.7 mil)
Quarterly return on equity: -1.20% (-$0.6 mil)
Net income: $0.7 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: 0.26% ($750.0 mil)
Quarterly Pretax return on assets: -0.30% (-$865.4 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)
Total employees (full-time equivalent)72
Total assets$288,462
Cash and due from depository institutions$31,761
Interest-bearing balances$26,732
Federal funds sold & reverse repurchase agreements$1,999
Net loans & leases$183,240
Loan loss allowance $6,992
Trading account assets$0
Bank premises and fixed assets$2,112
Other real estate owned$5,706
Goodwill and other intangibles$139
All other assets$22,270
Life insurance assets$288,462
Total liabilities and capital$242,256
Total liabilities$230,339
Total deposits$159,399
Interest-bearing deposits$230,339
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,000
Other borrowed funds $0
Subordinated debt $1,917
All other liabilities $46,206
Total equity capital$46,206
Total bank equity capital$46,206
Perpetual preferred stock$0
Common stock$13,500
Undivided profits $31,581
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $14,259
Earning assets $0
Long-term assets (5+ years) $744
Average Assets, year-to-date $253,206
Average Assets, quarterly $69,556
Volatile liabilities $287,073
Insider loans $288,395
FHLB advances $203,429
Loans and leases held for sale $285,528
Unused loan commitments $10,621
Tier 1 (core) risk-based capital $10,326
Tier 2 risk-based capital $42,815
Total risk weighted assets $0
Total unused commitments $295
Restructured Loans and leases $22,025
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,304
Total interest expense $1,872
Net interest income $9,432
Provision for loan and lease losses $3,247
Total noninterest income $2,153
Fiduciary activities $0
Service charges on deposit accounts $1,036
Trading account gains & fees $0
Additional noninterest income $1,117
Total noninterest expense $7,605
Salaries and employee benefits $3,707
Premises and equipment expense $790
Additional noninterest expense $3,108
Pre-tax net operating income $733
Securities gains (losses) $0
Applicable income taxes $22
Income before extraordinary items $711
Extraordinary gains - net $0
Net income attributable to bank $711
Net charge-offs $0
Cash dividends $711
Sale, conversion, retirement of capital stock, net $8,005
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.46%
Cost of funding earning assets 0.74%
Net interest margin 3.72%
Noninterest income to earning assets 0.85%
Noninterest expense to earning assets 3.00%
Net operating income to assets 0.25%
Return on assets (ROA) 0.25%
Pretax return on assets 0.26%
Return on equity (ROE) 1.57%
Retained earnings to average equity (YTD only) 1.57%
Net charge-offs to loans 4.08%
Credit loss provision to net charge-offs 40.56%
Efficiency ratio0.50%
Assets per employee$65,645
Cash dividends to net income (YTD only)4.01%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.68%
Noncurrent assets plus other real estate owned to assets 49.04%
Noncurrent loans to loans 6.92%
Net loans and leases to deposits7.50%
Net loans and leases to core deposits 79.55%
Equity capital to assets 83.09%
Core capital (leverage) ratio 16.02%
Tier 1 risk-based capital ratio 15.00%
Total risk-based capital ratio 21.05%
Average assets$22
Average earning assets$287,073
Average equity $45,423
Average loans $253,221
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6 Delaware Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03215The First National Bank Of Wyoming120 West Camden-Wyoming Avenue, Wyoming, DE 19934March 09, 1909Full Service Brick and Mortar
1204164Dover Branch800 South Governors Avenue, Dover, DE 19904June 05, 1975Full Service Brick and Mortar
2204165West Dover Branch1006 State College Road, Dover, DE 19904August 21, 1995Full Service Brick and Mortar
33214Harrington Branch7 Commerce Street, Harrington, DE 19952January 01, 1888Full Service Brick and Mortar
4204163Canterbury Branch105 Irish Hill Road, Felton, DE 19943July 05, 1978Full Service Brick and Mortar
5419737Smyrna Branch28 Deak Drive, Smyrna, DE 19977May 27, 2003Full Service Brick and Mortar
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