Oregon Community Bank & Trust in Oregon, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Oregon Community Bank & Trust in Oregon, Wisconsin (WI)
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Oregon Community Bank & Trust - Overview

  • General
  • FDIC Certificate #: 22334
    Status: Active
    Federal Reserve ID: 247140
    Bank Holding Company (Regulatory Top Holder): Oregon Bancorp, Inc. (RSSDID: 1207516, Location: Oregon, WI)
    Date Established: September 15, 1976
    WWW: http://www.oregoncommunitybank.com
    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 #: 14075
    FDIC's unique #: 15543
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 15, 1976
    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: 733 North Main Street, Oregon, WI 53575
    County: Dane
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Madison, WI (#4720)
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $173.9 mil
    Equity capital: $20.0 mil
    Deposits held in domestic offices: $141.5 mil
    Return on assets (ROA): -1.49% (-$2.6 mil)
    Quarterly return on assets: 0.21% ($0.4 mil)
    Return on Equity (ROE): -12.77% (-$2.6 mil)
    Quarterly return on equity: 1.89% ($0.4 mil)
    Net income: -$2.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -1.59% (-$2,765.7 mil)
    Quarterly Pretax return on assets: 0.21% ($365.3 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
  • 28Total employees (full-time equivalent)
  • $173,942Total assets
  • $5,845Cash and due from depository institutions
  • $3,938Interest-bearing balances
  • $13,638Securities
  • $9,062Federal funds sold & reverse repurchase agreements
  • $128,937Net loans & leases
  • $5,455Loan loss allowance
  • $0Trading account assets
  • $3,402Bank premises and fixed assets
  • $6,828Other real estate owned
  • $1,162Goodwill and other intangibles
  • $173,942Life insurance assets
  • $5,068All other assets
  • $153,952Total liabilities and capital
  • $141,463Total liabilities
  • $111,443Total deposits
  • $141,463Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,000Trading liabilities
  • $0Other borrowed funds
  • $489Subordinated debt
  • $19,990All other liabilities
  • $19,990Total equity capital
  • $19,990Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $4,500Surplus
  • $14,990Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $322Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,573Income earned, not collected on loans
  • $0Earning assets
  • $535Long-term assets (5+ years)
  • $155,575Average Assets, year-to-date
  • $7,476Average Assets, quarterly
  • $180,532Volatile liabilities
  • $176,500Insider loans
  • $134,366FHLB advances
  • $173,522Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,107Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,098Restructured Loans and leases
  • $3,019Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,842Total interest income
  • $1,592Total interest expense
  • $6,250Net interest income
  • $4,654Provision for loan and lease losses
  • $1,095Total noninterest income
  • $0Fiduciary activities
  • $122Service charges on deposit accounts
  • $0Trading account gains & fees
  • $973Additional noninterest income
  • $5,612Total noninterest expense
  • $1,885Salaries and employee benefits
  • $637Premises and equipment expense
  • $3,090Additional noninterest expense
  • -$2,921Pre-tax net operating income
  • $50Securities gains (losses)
  • -$190Applicable income taxes
  • -$2,681Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,681Net income attributable to bank
  • $0Net charge-offs
  • -$2,681Cash dividends
  • $1,193Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • -1.51%Net operating income to assets
  • -1.49%Return on assets (ROA)
  • -1.59%Pretax return on assets
  • -12.77%Return on equity (ROE)
  • -12.77%Retained earnings to average equity (YTD only)
  • 0.86%Net charge-offs to loans
  • 390.11%Credit loss provision to net charge-offs
  • 1.45%Efficiency ratio
  • 76,406Assets per employee
  • 6.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.06%Loss allowance to noncurrent loans
  • 63.63%Noncurrent assets plus other real estate owned to assets
  • 8.85%Noncurrent loans to loans
  • 6.38%Net loans and leases to deposits
  • 91.15%Net loans and leases to core deposits
  • 98.01%Equity capital to assets
  • 11.49%Core capital (leverage) ratio
  • 11.01%Tier 1 risk-based capital ratio
  • 14.22%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $180,532Average earning assets
  • $20,995Average equity
  • $160,176Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015543Oregon Community Bank & Trust733 North Main Street, Oregon, WI 53575September 15, 1976Full Service Brick and Mortar
    2254409Community Branch978 Park Street, Oregon, WI 53575May 01, 1996Full Service Brick and Mortar
    3432012Alpine Parkway Branch101 Alpine Parkway, Oregon, WI 53575July 19, 2004Full Service Brick and Mortar

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