Wyoming Bank & Trust in Cheyenne, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Wyoming Bank & Trust in Cheyenne, Wyoming (WY)
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Wyoming Bank & Trust - Overview

  • General
  • FDIC Certificate #: 8718
    Status: Active
    Federal Reserve ID: 64150
    Bank Holding Company (Regulatory Top Holder): Farmers State Bankshares, Inc. (RSSDID: 1061996, Location: Cheyenne, WY)
    Date Established: January 01, 1919
    WWW: http://www.wyomingbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 16051
    FDIC's unique #: 5550
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    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: 5827 Yellowstone Road, Cheyenne, WY 82009
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $121.4 mil
    Equity capital: $11.4 mil
    Deposits held in domestic offices: $108.1 mil
    Return on assets (ROA): 1.15% ($1.4 mil)
    Quarterly return on assets: -0.29% (-$0.4 mil)
    Return on Equity (ROE): 12.31% ($1.4 mil)
    Quarterly return on equity: -3.00% (-$0.3 mil)
    Net income: $1.4 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 1.15% ($1,396.0 mil)
    Quarterly Pretax return on assets: -0.29% (-$352.0 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
  • 47Total employees (full-time equivalent)
  • $121,388Total assets
  • $25,868Cash and due from depository institutions
  • $25,526Interest-bearing balances
  • $17,913Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $68,110Net loans & leases
  • $1,603Loan loss allowance
  • $0Trading account assets
  • $5,298Bank premises and fixed assets
  • $83Other real estate owned
  • $1,030Goodwill and other intangibles
  • $121,388Life insurance assets
  • $3,086All other assets
  • $110,020Total liabilities and capital
  • $108,125Total liabilities
  • $84,295Total deposits
  • $108,125Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,728Trading liabilities
  • $0Other borrowed funds
  • $167Subordinated debt
  • $11,368All other liabilities
  • $11,368Total equity capital
  • $11,368Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $2,950Surplus
  • $8,318Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,674Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,951Income earned, not collected on loans
  • $0Earning assets
  • $459Long-term assets (5+ years)
  • $111,549Average Assets, year-to-date
  • $46,644Average Assets, quarterly
  • $120,608Volatile liabilities
  • $119,606Insider loans
  • $78,562FHLB advances
  • $119,085Loans and leases held for sale
  • $2,014Unused loan commitments
  • $2,014Tier 1 (core) risk-based capital
  • $10,282Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,022Restructured Loans and leases
  • $686Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,230Total interest income
  • $679Total interest expense
  • $3,551Net interest income
  • $513Provision for loan and lease losses
  • $10,271Total noninterest income
  • $614Fiduciary activities
  • $42Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9,615Additional noninterest income
  • $12,020Total noninterest expense
  • $3,685Salaries and employee benefits
  • $782Premises and equipment expense
  • $7,553Additional noninterest expense
  • $1,289Pre-tax net operating income
  • $100Securities gains (losses)
  • $0Applicable income taxes
  • $1,389Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,389Net income attributable to bank
  • $0Net charge-offs
  • $1,389Cash dividends
  • $296Sale, conversion, retirement of capital stock, net
  • $945Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.89%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.27%Net interest margin
  • 9.46%Noninterest income to earning assets
  • 11.07%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 12.31%Return on equity (ROE)
  • 3.93%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 173.31%Credit loss provision to net charge-offs
  • 6.09%Efficiency ratio
  • 86,963Assets per employee
  • 2.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.03%Loss allowance to loans
  • 2.30%Loss allowance to noncurrent loans
  • 82.16%Noncurrent assets plus other real estate owned to assets
  • 1.68%Noncurrent loans to loans
  • 2.80%Net loans and leases to deposits
  • 62.99%Net loans and leases to core deposits
  • 66.60%Equity capital to assets
  • 9.37%Core capital (leverage) ratio
  • 8.63%Tier 1 risk-based capital ratio
  • 13.09%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $120,608Average earning assets
  • $11,284Average equity
  • $108,612Average 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
  • $112,235Managed Assets
  • 1Number of Accounts
  • $58,469Personal trust and agency accounts
  • $56,984Employee benefit-defined contribution accounts
  • $163Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,322Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 118Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $53,766Other retirement accounts
  • $14,228Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $3,113Fiduciary accounts held in foreign offices

List of branches

  • 2 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05550Wyoming Bank & Trust5827 Yellowstone Road, Cheyenne, WY 82009January 01, 1919Full Service Brick and Mortar
    1218858Burns Branch120 Main Street, Burns, WY 82053March 06, 1995Full Service Brick and Mortar

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