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



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Bank of The Rockies, National Association routing number info

Table of contents:
Bank of The Rockies, National Association
GeneralFDIC 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
WWW: http://www.bankoftherockies.com
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
LocationAddress: 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 ChangesOffice Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)60
Total assets$126,453
Cash and due from depository institutions$4,016
Interest-bearing balances$782
Securities$26,483
Federal funds sold & reverse repurchase agreements$8,420
Net loans & leases$72,453
Loan loss allowance $2,035
Trading account assets$0
Bank premises and fixed assets$4,586
Other real estate owned$6,817
Goodwill and other intangibles$1,514
All other assets$2,164
Life insurance assets$126,453
Total liabilities and capital$113,451
Total liabilities$110,272
Total deposits$99,488
Interest-bearing deposits$110,272
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,794
Other borrowed funds $0
Subordinated debt $385
All other liabilities $13,002
Total equity capital$13,002
Total bank equity capital$13,002
Perpetual preferred stock$0
Common stock$3,500
Surplus$6,700
Undivided profits $2,802
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,674
Income earned, not collected on loans $6,182
Earning assets $0
Long-term assets (5+ years) $917
Average Assets, year-to-date $108,138
Average Assets, quarterly $48,945
Volatile liabilities $126,851
Insider loans $125,619
FHLB advances $86,219
Loans and leases held for sale $124,670
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,453
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,246
Derivatives$1,348
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,933
Total interest expense $822
Net interest income $5,111
Provision for loan and lease losses $1,558
Total noninterest income $1,579
Fiduciary activities $0
Service charges on deposit accounts $546
Trading account gains & fees $0
Additional noninterest income $1,033
Total noninterest expense $5,921
Salaries and employee benefits $2,642
Premises and equipment expense $614
Additional noninterest expense $2,665
Pre-tax net operating income -$789
Securities gains (losses) $51
Applicable income taxes $0
Income before extraordinary items -$738
Extraordinary gains - net $0
Net income attributable to bank -$738
Net charge-offs $0
Cash dividends -$738
Sale, conversion, retirement of capital stock, net $1,743
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.50%
Cost of funding earning assets 0.76%
Net interest margin 4.74%
Noninterest income to earning assets 1.46%
Noninterest expense to earning assets 5.49%
Net operating income to assets -0.62%
Return on assets (ROA) -0.58%
Pretax return on assets -0.58%
Return on equity (ROE) -5.47%
Retained earnings to average equity (YTD only) -5.47%
Net charge-offs to loans 2.29%
Credit loss provision to net charge-offs 89.39%
Efficiency ratio0.44%
Assets per employee$87,982
Cash dividends to net income (YTD only)2.11%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.73%
Noncurrent assets plus other real estate owned to assets 32.92%
Noncurrent loans to loans 10.28%
Net loans and leases to deposits8.30%
Net loans and leases to core deposits 65.70%
Equity capital to assets 69.14%
Core capital (leverage) ratio 10.28%
Tier 1 risk-based capital ratio 9.19%
Total risk-based capital ratio 13.28%
Memoranda
Average assets$15
Average earning assets$126,851
Average equity $13,495
Average loans $107,894
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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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