Bank of Star Valley in Afton, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of Star Valley in Afton, Wyoming (WY)
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Bank of Star Valley - Overview

  • General
  • FDIC Certificate #: 34148
    Status: Active
    Federal Reserve ID: 2396604
    Bank Holding Company (Regulatory Top Holder): Star Valley Bancshares, Inc. (RSSDID: 2270384, Location: Afton, WY)
    Date Established: March 25, 1996
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 15894
    FDIC's unique #: 56293
    Numeric code: 13
    Regulator: FED
    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: March 25, 1996
    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: 384 Washington Street, Afton, WY 83110
    County: Lincoln
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Salt Lake City
    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: $119.1 mil
    Equity capital: $12.1 mil
    Deposits held in domestic offices: $104.4 mil
    Return on assets (ROA): 0.90% ($1.1 mil)
    Quarterly return on assets: 0.98% ($1.2 mil)
    Return on Equity (ROE): 8.98% ($1.1 mil)
    Quarterly return on equity: 9.59% ($1.2 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.90% ($1,072.0 mil)
    Quarterly Pretax return on assets: 0.98% ($1,167.3 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
  • 26Total employees (full-time equivalent)
  • $119,109Total assets
  • $6,167Cash and due from depository institutions
  • $3,325Interest-bearing balances
  • $36,930Securities
  • $5,211Federal funds sold & reverse repurchase agreements
  • $66,729Net loans & leases
  • $1,603Loan loss allowance
  • $0Trading account assets
  • $2,300Bank premises and fixed assets
  • $406Other real estate owned
  • $0Goodwill and other intangibles
  • $119,109Life insurance assets
  • $1,366All other assets
  • $106,997Total liabilities and capital
  • $104,393Total liabilities
  • $87,818Total deposits
  • $104,393Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 2127.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $477Subordinated debt
  • $12,112All other liabilities
  • $12,112Total equity capital
  • $12,112Total bank equity capital
  • $0Perpetual preferred stock
  • $552Common stock
  • $2,665Surplus
  • $8,895Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $768Income earned, not collected on loans
  • $0Earning assets
  • $647Long-term assets (5+ years)
  • $112,195Average Assets, year-to-date
  • $27,530Average Assets, quarterly
  • $117,575Volatile liabilities
  • $118,351Insider loans
  • $82,765FHLB advances
  • $118,901Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,941Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,514Restructured Loans and leases
  • $1,461Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,517Total interest income
  • $1,006Total interest expense
  • $4,511Net interest income
  • $594Provision for loan and lease losses
  • $552Total noninterest income
  • $0Fiduciary activities
  • $282Service charges on deposit accounts
  • $0Trading account gains & fees
  • $270Additional noninterest income
  • $3,407Total noninterest expense
  • $1,780Salaries and employee benefits
  • $305Premises and equipment expense
  • $1,322Additional noninterest expense
  • $1,062Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,062Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,062Net income attributable to bank
  • $0Net charge-offs
  • $1,062Cash dividends
  • $308Sale, conversion, retirement of capital stock, net
  • $552Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 8.98%Return on equity (ROE)
  • 4.31%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 192.86%Credit loss provision to net charge-offs
  • 5.38%Efficiency ratio
  • 67,292Assets per employee
  • 4.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.98%Loss allowance to loans
  • 2.35%Loss allowance to noncurrent loans
  • 208.72%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 1.12%Net loans and leases to deposits
  • 63.92%Net loans and leases to core deposits
  • 72.81%Equity capital to assets
  • 10.17%Core capital (leverage) ratio
  • 10.04%Tier 1 risk-based capital ratio
  • 14.43%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $117,575Average earning assets
  • $11,831Average equity
  • $109,729Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $131Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $131Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $131Fiduciary accounts held in foreign offices

List of branches

  • 3 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056293Bank Of Star Valley384 Washington Street, Afton, WY 83110March 25, 1996Full Service Brick and Mortar
    1290418Thayne Branch113 Peterson Parkway, Thayne, WY 83127May 05, 1999Full Service Retail
    2463135Alpine Branch102 Greys River Road, Alpine, WY 83128May 21, 2007Full Service Brick and Mortar

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