Oregon Trail Bank in Guernsey, Wyoming (WY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Oregon Trail Bank in Guernsey, Wyoming (WY)
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Oregon Trail Bank - Overview

  • General
  • FDIC Certificate #: 19118
    Status: Active
    Federal Reserve ID: 900258
    Bank Holding Company (Regulatory Top Holder): Community Bankshares Of Wyoming (RSSDID: 1839261, Location: Guernsey, WY)
    Date Established: May 16, 1964
    WWW: http://www.oregontrailbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 15949
    FDIC's unique #: 12950
    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: May 16, 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: Whalen Street And Wyoming Avenue, Guernsey, WY 82214
    County: Platte
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $28.8 mil
    Equity capital: $2.6 mil
    Deposits held in domestic offices: $25.6 mil
    Return on assets (ROA): 0.35% ($0.1 mil)
    Quarterly return on assets: 0.30% ($0.1 mil)
    Return on Equity (ROE): 4.00% ($0.1 mil)
    Quarterly return on equity: 3.50% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.35% ($100.9 mil)
    Quarterly Pretax return on assets: 0.30% ($86.5 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
  • 13Total employees (full-time equivalent)
  • $28,822Total assets
  • $4,490Cash and due from depository institutions
  • $3,587Interest-bearing balances
  • $6,721Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $14,439Net loans & leases
  • $187Loan loss allowance
  • $0Trading account assets
  • $1,890Bank premises and fixed assets
  • $841Other real estate owned
  • $0Goodwill and other intangibles
  • $28,822Life insurance assets
  • $441All other assets
  • $26,222Total liabilities and capital
  • $25,569Total liabilities
  • $21,295Total deposits
  • $25,569Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $600Trading liabilities
  • $0Other borrowed funds
  • $53Subordinated debt
  • $2,600All other liabilities
  • $2,600Total equity capital
  • $2,600Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $2,050Surplus
  • $500Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $243Income earned, not collected on loans
  • $0Earning assets
  • $137Long-term assets (5+ years)
  • $24,747Average Assets, year-to-date
  • $9,353Average Assets, quarterly
  • $29,585Volatile liabilities
  • $30,375Insider loans
  • $17,235FHLB advances
  • $29,991Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,461Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,669Restructured Loans and leases
  • $15Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,215Total interest income
  • $200Total interest expense
  • $1,015Net interest income
  • $3Provision for loan and lease losses
  • $229Total noninterest income
  • $0Fiduciary activities
  • $44Service charges on deposit accounts
  • $0Trading account gains & fees
  • $185Additional noninterest income
  • $1,137Total noninterest expense
  • $614Salaries and employee benefits
  • $157Premises and equipment expense
  • $366Additional noninterest expense
  • $104Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $104Income before extraordinary items
  • $0Extraordinary gains - net
  • $104Net income attributable to bank
  • $0Net charge-offs
  • $104Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $94Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.10%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 4.59%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.35%Pretax return on assets
  • 4.00%Return on equity (ROE)
  • 0.38%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -300.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 91,399Assets per employee
  • 2.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.38%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 76.95%Noncurrent assets plus other real estate owned to assets
  • 3.76%Noncurrent loans to loans
  • 1.66%Net loans and leases to deposits
  • 56.47%Net loans and leases to core deposits
  • 62.25%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 8.21%Tier 1 risk-based capital ratio
  • 14.28%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $29,585Average earning assets
  • $2,598Average equity
  • $24,751Average loans

List of branches

  • 3 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012950Oregon Trail BankWhalen Street And Wyoming Avenue, Guernsey, WY 82214May 16, 1964Full Service Brick and Mortar
    1247342Chugwater Branch302 Second Street, Chugwater, WY 82210January 02, 1993Full Service Brick and Mortar
    34469494007 Greenway Street Branch4007 Greenway Street, Cheyenne, WY 82001January 23, 2006Full Service Brick and Mortar

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