Bank of The Rockies, National Association in White Sulphur Springs, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of The Rockies, National Association in White Sulphur Springs, Montana (MT)
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Bank of The Rockies, National Association - Overview

  • General
  • FDIC Certificate #: 2205
    Status: Active
    Federal Reserve ID: 475756
    Bank Holding Company (Regulatory Top Holder): Countricorp (RSSDID: 1134470, Location: White Sulphur Springs, MT)
    Date Established: August 01, 1883
    Trust Powers Granted: No
    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 #: 12491
    FDIC's unique #: 1462
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 19, 2007
    Last Structure Change Process Date: April 04, 2007
    Last Data Update: April 04, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 205 West Main Street, White Sulphur Springs, MT 59645
    County: Meagher
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $126.5 mil
    Equity capital: $13.0 mil
    Deposits held in domestic offices: $110.3 mil
    Return on assets (ROA): -0.58% (-$0.7 mil)
    Quarterly return on assets: -0.87% (-$1.1 mil)
    Return on Equity (ROE): -5.47% (-$0.7 mil)
    Quarterly return on equity: -8.32% (-$1.1 mil)
    Net income: -$0.7 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: -0.58% (-$733.4 mil)
    Quarterly Pretax return on assets: -0.87% (-$1,100.1 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
  • 60Total employees (full-time equivalent)
  • $126,453Total assets
  • $4,016Cash and due from depository institutions
  • $782Interest-bearing balances
  • $26,483Securities
  • $8,420Federal funds sold & reverse repurchase agreements
  • $72,453Net loans & leases
  • $2,035Loan loss allowance
  • $0Trading account assets
  • $4,586Bank premises and fixed assets
  • $6,817Other real estate owned
  • $1,514Goodwill and other intangibles
  • $126,453Life insurance assets
  • $2,164All other assets
  • $113,451Total liabilities and capital
  • $110,272Total liabilities
  • $99,488Total deposits
  • $110,272Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,794Trading liabilities
  • $0Other borrowed funds
  • $385Subordinated debt
  • $13,002All other liabilities
  • $13,002Total equity capital
  • $13,002Total bank equity capital
  • $0Perpetual preferred stock
  • $3,500Common stock
  • $6,700Surplus
  • $2,802Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,674Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,182Income earned, not collected on loans
  • $0Earning assets
  • $917Long-term assets (5+ years)
  • $108,138Average Assets, year-to-date
  • $48,945Average Assets, quarterly
  • $126,851Volatile liabilities
  • $125,619Insider loans
  • $86,219FHLB advances
  • $124,670Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,453Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,246Restructured Loans and leases
  • $1,348Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,933Total interest income
  • $822Total interest expense
  • $5,111Net interest income
  • $1,558Provision for loan and lease losses
  • $1,579Total noninterest income
  • $0Fiduciary activities
  • $546Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,033Additional noninterest income
  • $5,921Total noninterest expense
  • $2,642Salaries and employee benefits
  • $614Premises and equipment expense
  • $2,665Additional noninterest expense
  • -$789Pre-tax net operating income
  • $51Securities gains (losses)
  • $0Applicable income taxes
  • -$738Income before extraordinary items
  • $0Extraordinary gains - net
  • -$738Net income attributable to bank
  • $0Net charge-offs
  • -$738Cash dividends
  • $1,743Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.50%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 4.74%Net interest margin
  • 1.46%Noninterest income to earning assets
  • 5.49%Noninterest expense to earning assets
  • -0.62%Net operating income to assets
  • -0.58%Return on assets (ROA)
  • -0.58%Pretax return on assets
  • -5.47%Return on equity (ROE)
  • -5.47%Retained earnings to average equity (YTD only)
  • 2.29%Net charge-offs to loans
  • 89.39%Credit loss provision to net charge-offs
  • 0.44%Efficiency ratio
  • 87,982Assets per employee
  • 2.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.73%Loss allowance to noncurrent loans
  • 32.92%Noncurrent assets plus other real estate owned to assets
  • 10.28%Noncurrent loans to loans
  • 8.30%Net loans and leases to deposits
  • 65.70%Net loans and leases to core deposits
  • 69.14%Equity capital to assets
  • 10.28%Core capital (leverage) ratio
  • 9.19%Tier 1 risk-based capital ratio
  • 13.28%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $126,851Average earning assets
  • $13,495Average equity
  • $107,894Average loans

List of branches

  • 6 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01462Bank Of The Rockies, National Association205 West Main Street, White Sulphur Springs, MT 59645August 01, 1883Full Service Brick and Mortar
    1192037Shields Valley BranchPo Box 2, Clyde Park, MT 59018January 02, 1996Full Service Brick and Mortar
    2192038Paradise Valley BranchPo Box 298, Emigrant, MT 59027September 08, 1998Full Service Brick and Mortar
    3192039Livingston Branch1203 West Park Street, Livingston, MT 59047May 03, 1999Full Service Brick and Mortar
    4460056Bank Of The Rockies, Na2000 Prospect Avenue, Helena, MT 59601December 14, 2006Full Service Brick and Mortar
    515837Lewistown Branch401 West Main, Lewistown, MT 59457July 17, 1978Full Service Brick and Mortar

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