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

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