Wyoming State Bank in Laramie, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Wyoming State Bank - Overview

  • General
  • FDIC Certificate #: 58395
    Status: Active
    Federal Reserve ID: 3445460
    Bank Holding Company (Regulatory Top Holder): First Wyoming Bancorporation (RSSDID: 3550962, Location: Laramie, WY)
    Date Established: September 11, 2006
    WWW: http://www.wyomingstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 450597
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 11, 2006
    Last Structure Change Effective Date: October 26, 2007
    Last Structure Change Process Date: November 19, 2007
    Last Data Update: November 19, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 3430 East Grand Avenue, Laramie, WY 82073
    County: Albany
    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
    Core Based Statistical Area (CBSA): Laramie, WY (#29660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $131.1 mil
    Equity capital: $16.7 mil
    Deposits held in domestic offices: $113.4 mil
    Return on assets (ROA): 0.78% ($1.0 mil)
    Quarterly return on assets: 0.81% ($1.1 mil)
    Return on Equity (ROE): 6.08% ($1.0 mil)
    Quarterly return on equity: 6.37% ($1.1 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.99% ($1,298.3 mil)
    Quarterly Pretax return on assets: 1.27% ($1,665.4 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
  • 36Total employees (full-time equivalent)
  • $131,137Total assets
  • $23,948Cash and due from depository institutions
  • $16,386Interest-bearing balances
  • $3,621Securities
  • $1,998Federal funds sold & reverse repurchase agreements
  • $89,971Net loans & leases
  • $1,597Loan loss allowance
  • $0Trading account assets
  • $4,215Bank premises and fixed assets
  • $0Other real estate owned
  • $5,019Goodwill and other intangibles
  • $131,137Life insurance assets
  • $2,365All other assets
  • $114,420Total liabilities and capital
  • $113,384Total liabilities
  • $89,900Total deposits
  • $113,384Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 500.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $536Subordinated debt
  • $16,717All other liabilities
  • $16,717Total equity capital
  • $16,717Total bank equity capital
  • $0Perpetual preferred stock
  • $5,504Common stock
  • $12,171Surplus
  • $-958Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $450Long-term assets (5+ years)
  • $111,976Average Assets, year-to-date
  • $17,162Average Assets, quarterly
  • $127,567Volatile liabilities
  • $131,561Insider loans
  • $86,203FHLB advances
  • $126,081Loans and leases held for sale
  • $1,046Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,698Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,046Total unused commitments
  • $7,812Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,547Total interest income
  • $519Total interest expense
  • $5,028Net interest income
  • $120Provision for loan and lease losses
  • $590Total noninterest income
  • $0Fiduciary activities
  • $308Service charges on deposit accounts
  • $0Trading account gains & fees
  • $282Additional noninterest income
  • $4,237Total noninterest expense
  • $2,355Salaries and employee benefits
  • $636Premises and equipment expense
  • $1,246Additional noninterest expense
  • $1,261Pre-tax net operating income
  • $0Securities gains (losses)
  • $261Applicable income taxes
  • $1,000Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,000Net income attributable to bank
  • $0Net charge-offs
  • $1,000Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $464Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 4.70%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.96%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 6.08%Return on equity (ROE)
  • 3.26%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 4000.00%Credit loss provision to net charge-offs
  • 460.33%Efficiency ratio
  • 75,418Assets per employee
  • 3.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.40%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 79.35%Net loans and leases to core deposits
  • 82.80%Equity capital to assets
  • 12.75%Core capital (leverage) ratio
  • 9.28%Tier 1 risk-based capital ratio
  • 13.57%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $127,567Average earning assets
  • $16,448Average equity
  • $106,908Average loans

List of branches

  • 3 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0450597Wyoming State Bank3430 East Grand Avenue, Laramie, WY 82073September 11, 2006Full Service Brick and Mortar
    117404Western Bank Of Cheyenne Branch1525 East Pershing Boulevard, Cheyenne, WY 82001May 30, 1984Full Service Brick and Mortar
    2362792Cheyenne Branch5538 Yellowstone Road, Cheyenne, WY 82009November 15, 2001Full Service Brick and Mortar

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