Beartooth Bank in Billings, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


Beartooth Bank - Overview

  • General
  • FDIC Certificate #: 58199
    Status: Active
    Federal Reserve ID: 3425725
    Date Established: April 24, 2006
    WWW: http://www.beartoothbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 441894
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 24, 2006
    Last Structure Change Effective Date: August 25, 2010
    Last Structure Change Process Date: November 09, 2010
    Last Data Update: November 09, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 4130 King Avenue West, Billings, MT 59106
    County: Yellowstone
    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
    Metropolitan Statistical Area (MSA): Billings, MT (#880)
    Core Based Statistical Area (CBSA): Billings, MT (#13740)
    CBSA Metro Statistical Area: Billings, MT (#13740)
  • Financial Summary
  • Total assets: $38.9 mil
    Equity capital: $4.8 mil
    Deposits held in domestic offices: $33.7 mil
    Return on assets (ROA): 0.77% ($0.3 mil)
    Quarterly return on assets: 0.06% ($0.0 mil)
    Return on Equity (ROE): 6.37% ($0.3 mil)
    Quarterly return on equity: 0.49% ($0.0 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.77% ($299.7 mil)
    Quarterly Pretax return on assets: 0.06% ($23.4 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
  • 7Total employees (full-time equivalent)
  • $38,928Total assets
  • $523Cash and due from depository institutions
  • $0Interest-bearing balances
  • $2,178Securities
  • $4,645Federal funds sold & reverse repurchase agreements
  • $26,285Net loans & leases
  • $768Loan loss allowance
  • $0Trading account assets
  • $2,935Bank premises and fixed assets
  • $1,334Other real estate owned
  • $0Goodwill and other intangibles
  • $38,928Life insurance assets
  • $1,028All other assets
  • $34,078Total liabilities and capital
  • $33,699Total liabilities
  • $31,049Total deposits
  • $33,699Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $379Subordinated debt
  • $4,850All other liabilities
  • $4,850Total equity capital
  • $4,850Total bank equity capital
  • $0Perpetual preferred stock
  • $11Common stock
  • $8,945Surplus
  • $-4,106Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $649Income earned, not collected on loans
  • $0Earning assets
  • $112Long-term assets (5+ years)
  • $33,108Average Assets, year-to-date
  • $1,832Average Assets, quarterly
  • $39,414Volatile liabilities
  • $38,753Insider loans
  • $33,363FHLB advances
  • $39,115Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,852Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $509Restructured Loans and leases
  • $2,763Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,845Total interest income
  • $471Total interest expense
  • $1,374Net interest income
  • $50Provision for loan and lease losses
  • $360Total noninterest income
  • $0Fiduciary activities
  • $11Service charges on deposit accounts
  • $0Trading account gains & fees
  • $349Additional noninterest income
  • $1,387Total noninterest expense
  • $621Salaries and employee benefits
  • $212Premises and equipment expense
  • $554Additional noninterest expense
  • $297Pre-tax net operating income
  • $6Securities gains (losses)
  • $0Applicable income taxes
  • $303Income before extraordinary items
  • $0Extraordinary gains - net
  • $303Net income attributable to bank
  • $0Net charge-offs
  • $303Cash dividends
  • $436Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.59%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 4.16%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 4.20%Noninterest expense to earning assets
  • 0.75%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 0.77%Pretax return on assets
  • 6.37%Return on equity (ROE)
  • 6.37%Retained earnings to average equity (YTD only)
  • 1.51%Net charge-offs to loans
  • 11.47%Credit loss provision to net charge-offs
  • 0.80%Efficiency ratio
  • 79,988Assets per employee
  • 5.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.84%Loss allowance to noncurrent loans
  • 118.34%Noncurrent assets plus other real estate owned to assets
  • 5.09%Noncurrent loans to loans
  • 2.40%Net loans and leases to deposits
  • 78.00%Net loans and leases to core deposits
  • 78.00%Equity capital to assets
  • 12.46%Core capital (leverage) ratio
  • 12.40%Tier 1 risk-based capital ratio
  • 14.54%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $39,414Average earning assets
  • $4,759Average equity
  • $32,995Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0441894Beartooth Bank4130 King Avenue West, Billings, MT 59106April 24, 2006Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Beartooth Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents