Basin State Bank in Stanford, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

Basin State Bank - Overview

  • General
  • FDIC Certificate #: 8314
    Status: Active
    Federal Reserve ID: 535856
    Bank Holding Company (Regulatory Top Holder): Big Sky Holding Company (RSSDID: 2253565, Location: Stanford, MT)
    Date Established: August 02, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 5306
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 103 Central Avenue, Stanford, MT 59479
    County: Judith Basin
    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: $146.3 mil
    Equity capital: $15.9 mil
    Deposits held in domestic offices: $127.0 mil
    Return on assets (ROA): 1.67% ($2.4 mil)
    Quarterly return on assets: 1.24% ($1.8 mil)
    Return on Equity (ROE): 15.14% ($2.4 mil)
    Quarterly return on equity: 11.18% ($1.8 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.67% ($2,442.6 mil)
    Quarterly Pretax return on assets: 1.24% ($1,813.7 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
  • 28Total employees (full-time equivalent)
  • $146,265Total assets
  • $25,298Cash and due from depository institutions
  • $22,719Interest-bearing balances
  • $19,192Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $95,136Net loans & leases
  • $718Loan loss allowance
  • $0Trading account assets
  • $1,221Bank premises and fixed assets
  • $55Other real estate owned
  • $0Goodwill and other intangibles
  • $146,265Life insurance assets
  • $5,363All other assets
  • $130,331Total liabilities and capital
  • $126,968Total liabilities
  • $94,170Total deposits
  • $126,968Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,568Trading liabilities
  • $0Other borrowed funds
  • $795Subordinated debt
  • $15,934All other liabilities
  • $15,934Total equity capital
  • $15,934Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $5,650Surplus
  • $9,684Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $696Income earned, not collected on loans
  • $192Earning assets
  • $1,841Long-term assets (5+ years)
  • $137,047Average Assets, year-to-date
  • $19,804Average Assets, quarterly
  • $139,545Volatile liabilities
  • $143,246Insider loans
  • $132,175FHLB advances
  • $142,481Loans and leases held for sale
  • $2,986Unused loan commitments
  • $1,411Tier 1 (core) risk-based capital
  • $15,792Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,575Total unused commitments
  • $20,283Restructured Loans and leases
  • $156Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,915Total interest income
  • $1,217Total interest expense
  • $5,698Net interest income
  • $300Provision for loan and lease losses
  • $415Total noninterest income
  • $0Fiduciary activities
  • $138Service charges on deposit accounts
  • $0Trading account gains & fees
  • $277Additional noninterest income
  • $3,489Total noninterest expense
  • $2,299Salaries and employee benefits
  • $382Premises and equipment expense
  • $808Additional noninterest expense
  • $2,324Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,324Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,324Net income attributable to bank
  • $0Net charge-offs
  • $2,324Cash dividends
  • $261Sale, conversion, retirement of capital stock, net
  • $1,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.33%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 4.39%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 1.67%Net operating income to assets
  • 1.67%Return on assets (ROA)
  • 1.67%Pretax return on assets
  • 15.14%Return on equity (ROE)
  • 7.32%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 114.94%Credit loss provision to net charge-offs
  • 10.05%Efficiency ratio
  • 57,075Assets per employee
  • 5.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.64%Loss allowance to loans
  • 0.75%Loss allowance to noncurrent loans
  • 103.16%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.73%Net loans and leases to deposits
  • 74.93%Net loans and leases to core deposits
  • 81.43%Equity capital to assets
  • 10.89%Core capital (leverage) ratio
  • 11.08%Tier 1 risk-based capital ratio
  • 11.95%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $139,545Average earning assets
  • $15,351Average equity
  • $129,808Average loans

List of branches

  • 3 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05306Basin State Bank103 Central Avenue, Stanford, MT 59479August 02, 1911Full Service Brick and Mortar
    1218284Lewistown Branch1716 West Main Street, Lewistown, MT 59457March 02, 1998Full Service Brick and Mortar
    2457635Geraldine BranchMain And Collin Street, Geraldine, MT 59446January 08, 2007Full Service Brick and Mortar

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