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

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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 72Total employees (full-time equivalent)
  • $288,462Total assets
  • $31,761Cash and due from depository institutions
  • $26,732Interest-bearing balances
  • $41,235Securities
  • $1,999Federal funds sold & reverse repurchase agreements
  • $183,240Net loans & leases
  • $6,992Loan loss allowance
  • $0Trading account assets
  • $2,112Bank premises and fixed assets
  • $5,706Other real estate owned
  • $139Goodwill and other intangibles
  • $288,462Life insurance assets
  • $22,270All other assets
  • $242,256Total liabilities and capital
  • $230,339Total liabilities
  • $159,399Total deposits
  • $230,339Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $1,917Subordinated debt
  • $46,206All other liabilities
  • $46,206Total equity capital
  • $46,206Total bank equity capital
  • $0Perpetual preferred stock
  • $13,500Common stock
  • $1,125Surplus
  • $31,581Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,259Income earned, not collected on loans
  • $0Earning assets
  • $744Long-term assets (5+ years)
  • $253,206Average Assets, year-to-date
  • $69,556Average Assets, quarterly
  • $287,073Volatile liabilities
  • $288,395Insider loans
  • $203,429FHLB advances
  • $285,528Loans and leases held for sale
  • $10,621Unused loan commitments
  • $10,326Tier 1 (core) risk-based capital
  • $42,815Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $295Total unused commitments
  • $22,025Restructured Loans and leases
  • $5,620Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,304Total interest income
  • $1,872Total interest expense
  • $9,432Net interest income
  • $3,247Provision for loan and lease losses
  • $2,153Total noninterest income
  • $0Fiduciary activities
  • $1,036Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,117Additional noninterest income
  • $7,605Total noninterest expense
  • $3,707Salaries and employee benefits
  • $790Premises and equipment expense
  • $3,108Additional noninterest expense
  • $733Pre-tax net operating income
  • $0Securities gains (losses)
  • $22Applicable income taxes
  • $711Income before extraordinary items
  • $0Extraordinary gains - net
  • $711Net income attributable to bank
  • $0Net charge-offs
  • $711Cash dividends
  • $8,005Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 3.72%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.00%Noninterest expense to earning assets
  • 0.25%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.26%Pretax return on assets
  • 1.57%Return on equity (ROE)
  • 1.57%Retained earnings to average equity (YTD only)
  • 4.08%Net charge-offs to loans
  • 40.56%Credit loss provision to net charge-offs
  • 0.50%Efficiency ratio
  • 65,645Assets per employee
  • 4.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.68%Loss allowance to noncurrent loans
  • 49.04%Noncurrent assets plus other real estate owned to assets
  • 6.92%Noncurrent loans to loans
  • 7.50%Net loans and leases to deposits
  • 79.55%Net loans and leases to core deposits
  • 83.09%Equity capital to assets
  • 16.02%Core capital (leverage) ratio
  • 15.00%Tier 1 risk-based capital ratio
  • 21.05%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $287,073Average earning assets
  • $45,423Average equity
  • $253,221Average loans

List of branches

  • 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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