Basin State Bank in Stanford, Montana (MT)



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Basin State Bank
GeneralFDIC 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
WWW: http://www.basinstatebank.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)28
Total assets$146,265
Cash and due from depository institutions$25,298
Interest-bearing balances$22,719
Securities$19,192
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$95,136
Loan loss allowance $718
Trading account assets$0
Bank premises and fixed assets$1,221
Other real estate owned$55
Goodwill and other intangibles$0
All other assets$5,363
Life insurance assets$146,265
Total liabilities and capital$130,331
Total liabilities$126,968
Total deposits$94,170
Interest-bearing deposits$126,968
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,568
Other borrowed funds $0
Subordinated debt $795
All other liabilities $15,934
Total equity capital$15,934
Total bank equity capital$15,934
Perpetual preferred stock$0
Common stock$600
Surplus$5,650
Undivided profits $9,684
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $696
Earning assets $192
Long-term assets (5+ years) $1,841
Average Assets, year-to-date $137,047
Average Assets, quarterly $19,804
Volatile liabilities $139,545
Insider loans $143,246
FHLB advances $132,175
Loans and leases held for sale $142,481
Unused loan commitments $2,986
Tier 1 (core) risk-based capital $1,411
Tier 2 risk-based capital $15,792
Total risk weighted assets $0
Total unused commitments $1,575
Restructured Loans and leases $20,283
Derivatives$156
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,915
Total interest expense $1,217
Net interest income $5,698
Provision for loan and lease losses $300
Total noninterest income $415
Fiduciary activities $0
Service charges on deposit accounts $138
Trading account gains & fees $0
Additional noninterest income $277
Total noninterest expense $3,489
Salaries and employee benefits $2,299
Premises and equipment expense $382
Additional noninterest expense $808
Pre-tax net operating income $2,324
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $2,324
Extraordinary gains - net $0
Net income attributable to bank $2,324
Net charge-offs $0
Cash dividends $2,324
Sale, conversion, retirement of capital stock, net $261
Net operating income $1,200
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.33%
Cost of funding earning assets 0.94%
Net interest margin 4.39%
Noninterest income to earning assets 0.32%
Noninterest expense to earning assets 2.69%
Net operating income to assets 1.67%
Return on assets (ROA) 1.67%
Pretax return on assets 1.67%
Return on equity (ROE) 15.14%
Retained earnings to average equity (YTD only) 7.32%
Net charge-offs to loans 0.27%
Credit loss provision to net charge-offs 114.94%
Efficiency ratio10.05%
Assets per employee$57,075
Cash dividends to net income (YTD only)5.22%
Condition Ratios (%)
Loss allowance to loans 51.64%
Loss allowance to noncurrent loans 0.75%
Noncurrent assets plus other real estate owned to assets 103.16%
Noncurrent loans to loans 0.51%
Net loans and leases to deposits0.73%
Net loans and leases to core deposits 74.93%
Equity capital to assets 81.43%
Core capital (leverage) ratio 10.89%
Tier 1 risk-based capital ratio 11.08%
Total risk-based capital ratio 11.95%
Memoranda
Average assets$12
Average earning assets$139,545
Average equity $15,351
Average loans $129,808
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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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