The Rawlins National Bank in Rawlins, Wyoming (WY), CO
Overview, Financial Summary, Detailed Financial Reports, Branches

The Rawlins National Bank - Overview

  • General
  • FDIC Certificate #: 2228
    Status: Active
    Federal Reserve ID: 548052
    Bank Holding Company (Regulatory Top Holder): Carbon County Holding Company (RSSDID: 2043346, Location: Rawlins, WY)
    Date Established: January 01, 1898
    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: 5 (Domestic: 5, Interstate: Yes)
    OTS Docket #: 9902
    FDIC's unique #: 1479
    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: Yes
    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: 220 Fifth Street, Rawlins, WY 82301
    County: Carbon
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $149.7 mil
    Equity capital: $14.2 mil
    Deposits held in domestic offices: $130.8 mil
    Return on assets (ROA): 0.11% ($0.2 mil)
    Quarterly return on assets: 0.28% ($0.4 mil)
    Return on Equity (ROE): 1.15% ($0.2 mil)
    Quarterly return on equity: 2.97% ($0.4 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.11% ($164.7 mil)
    Quarterly Pretax return on assets: 0.28% ($419.2 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
  • 51Total employees (full-time equivalent)
  • $149,705Total assets
  • $17,268Cash and due from depository institutions
  • $12,938Interest-bearing balances
  • $38,010Securities
  • $16,440Federal funds sold & reverse repurchase agreements
  • $67,526Net loans & leases
  • $1,423Loan loss allowance
  • $0Trading account assets
  • $3,781Bank premises and fixed assets
  • $2,350Other real estate owned
  • $0Goodwill and other intangibles
  • $149,705Life insurance assets
  • $4,330All other assets
  • $135,459Total liabilities and capital
  • $130,841Total liabilities
  • $107,077Total deposits
  • $130,841Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 3631.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $219Trading liabilities
  • $0Other borrowed funds
  • $768Subordinated debt
  • $14,246All other liabilities
  • $14,246Total equity capital
  • $14,246Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $2,300Surplus
  • $11,146Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,186Income earned, not collected on loans
  • $0Earning assets
  • $630Long-term assets (5+ years)
  • $134,914Average Assets, year-to-date
  • $35,896Average Assets, quarterly
  • $146,154Volatile liabilities
  • $149,107Insider loans
  • $91,989FHLB advances
  • $149,670Loans and leases held for sale
  • $2,331Unused loan commitments
  • $2,331Tier 1 (core) risk-based capital
  • $14,015Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,282Restructured Loans and leases
  • $210Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,385Total interest income
  • $618Total interest expense
  • $4,767Net interest income
  • $152Provision for loan and lease losses
  • $971Total noninterest income
  • $0Fiduciary activities
  • $580Service charges on deposit accounts
  • $0Trading account gains & fees
  • $391Additional noninterest income
  • $5,416Total noninterest expense
  • $2,805Salaries and employee benefits
  • $824Premises and equipment expense
  • $1,787Additional noninterest expense
  • $170Pre-tax net operating income
  • -$6Securities gains (losses)
  • $0Applicable income taxes
  • $164Income before extraordinary items
  • $0Extraordinary gains - net
  • $164Net income attributable to bank
  • $0Net charge-offs
  • $164Cash dividends
  • $513Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.08%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 4.10%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.11%Return on assets (ROA)
  • 0.11%Pretax return on assets
  • 1.15%Return on equity (ROE)
  • 1.15%Retained earnings to average equity (YTD only)
  • 0.66%Net charge-offs to loans
  • 29.63%Credit loss provision to net charge-offs
  • 0.63%Efficiency ratio
  • 94,388Assets per employee
  • 2.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.06%Loss allowance to noncurrent loans
  • 65.10%Noncurrent assets plus other real estate owned to assets
  • 3.03%Noncurrent loans to loans
  • 3.17%Net loans and leases to deposits
  • 51.61%Net loans and leases to core deposits
  • 58.35%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 9.36%Tier 1 risk-based capital ratio
  • 15.24%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $146,154Average earning assets
  • $14,230Average equity
  • $132,086Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    6479949Rawlins National Bank - Longmont Bra2001 North Main Street, Longmont, CO 80501June 09, 2008Full Service Brick and Mortar
  • 4 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01479The Rawlins National Bank220 Fifth Street, Rawlins, WY 82301January 01, 1898Full Service Brick and Mortar
    2275243South First Street Branch209 South First Street, Saratoga, WY 82331August 16, 1935Full Service Brick and Mortar
    3275244403 S Adams St Branch403 Adams St, Hanna, WY 82327August 16, 1935Full Service Brick and Mortar
    5363754East Branch600 North Higley Blvd, Rawlins, WY 82301May 02, 2002Full Service Brick and Mortar

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