Hilltop National Bank in Casper, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Hilltop National Bank - Overview

  • General
  • FDIC Certificate #: 19184
    Status: Active
    Federal Reserve ID: 1454
    Bank Holding Company (Regulatory Top Holder): Midland Financial Corporation (RSSDID: 1054840, Location: Casper, WY)
    Date Established: July 27, 1964
    WWW: http://www.hilltopnationalbank.com
    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: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 10647
    FDIC's unique #: 13005
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: July 27, 1964
    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: 300 Country Club, Casper, WY 82601
    County: Natrona
    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): Casper, WY (#1350)
    Core Based Statistical Area (CBSA): Casper, WY (#16220)
    CBSA Metro Statistical Area: Casper, WY (#16220)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $572.2 mil
    Equity capital: $57.4 mil
    Deposits held in domestic offices: $513.6 mil
    Return on assets (ROA): 1.61% ($9.2 mil)
    Quarterly return on assets: 1.54% ($8.8 mil)
    Return on Equity (ROE): 16.45% ($9.4 mil)
    Quarterly return on equity: 15.33% ($8.7 mil)
    Net income: $8.6 mil
    Quarterly Net income: $2.2 mil
    Pretax return on assets: 1.61% ($9,212.3 mil)
    Quarterly Pretax return on assets: 1.54% ($8,811.7 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
  • 146Total employees (full-time equivalent)
  • $572,190Total assets
  • $83,199Cash and due from depository institutions
  • $62,878Interest-bearing balances
  • $247,494Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $226,136Net loans & leases
  • $2,913Loan loss allowance
  • $0Trading account assets
  • $4,837Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $572,190Life insurance assets
  • $10,524All other assets
  • $514,817Total liabilities and capital
  • $513,567Total liabilities
  • $376,388Total deposits
  • $513,567Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,250Subordinated debt
  • $57,373All other liabilities
  • $57,373Total equity capital
  • $57,373Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,214Surplus
  • $55,159Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,834Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,407Income earned, not collected on loans
  • $0Earning assets
  • $2,531Long-term assets (5+ years)
  • $536,508Average Assets, year-to-date
  • $246,155Average Assets, quarterly
  • $531,237Volatile liabilities
  • $566,687Insider loans
  • $268,035FHLB advances
  • $598,058Loans and leases held for sale
  • $4,685Unused loan commitments
  • $4,685Tier 1 (core) risk-based capital
  • $53,228Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $31,199Restructured Loans and leases
  • $71,216Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,391Total interest income
  • $1,538Total interest expense
  • $17,853Net interest income
  • $100Provision for loan and lease losses
  • $6,523Total noninterest income
  • $2,190Fiduciary activities
  • $874Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,459Additional noninterest income
  • $15,737Total noninterest expense
  • $9,252Salaries and employee benefits
  • $2,151Premises and equipment expense
  • $4,334Additional noninterest expense
  • $8,539Pre-tax net operating income
  • $40Securities gains (losses)
  • $0Applicable income taxes
  • $8,579Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,579Net income attributable to bank
  • $0Net charge-offs
  • $8,579Cash dividends
  • $658Sale, conversion, retirement of capital stock, net
  • $2,700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.87%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 3.56%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 1.61%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 16.45%Return on equity (ROE)
  • 11.27%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 15.20%Credit loss provision to net charge-offs
  • 13.13%Efficiency ratio
  • 64,559Assets per employee
  • 3.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.47%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 207.04%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.61%Net loans and leases to deposits
  • 44.03%Net loans and leases to core deposits
  • 48.17%Equity capital to assets
  • 10.03%Core capital (leverage) ratio
  • 8.90%Tier 1 risk-based capital ratio
  • 19.86%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $531,237Average earning assets
  • $52,156Average equity
  • $501,339Average 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
  • $764,881Managed Assets
  • 1Number of Accounts
  • $380,990Personal trust and agency accounts
  • $127,291Employee benefit-defined contribution accounts
  • $111,607Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $44,328Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $87,548Other fiduciary accounts
  • $10,216Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1121Number of Accounts
  • $0Personal trust and agency accounts
  • $44,328Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $383,891Other retirement accounts
  • $3,043Corporate trust and agency accounts
  • $90,828Other fiduciary accounts
  • $31,083Fiduciary accounts held in foreign offices

List of branches

  • 6 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013005Hilltop National Bank300 Country Club, Casper, WY 82601July 27, 1964Full Service Brick and Mortar
    316356Mountain Plaza Branch4085 Cy Avenue, Casper, WY 82609January 19, 1981Full Service Brick and Mortar
    432748Glenrock Branch313 South 4th Street, Glenrock, WY 82637July 23, 1985Full Service Brick and Mortar
    5247538Downtown Motorbank Branch449 East First Street, Casper, WY 82601September 12, 1995Limited Service Facility
    6247539Downtown Branch111 South Durbin Street, Casper, WY 82601Febuary 14, 1996Full Service Brick and Mortar
    7362948Safeway Sales Branch300 Se Wyoming Blvd, Casper, WY 82609January 03, 2002Full Service Brick and Mortar

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