Citizens Bank & Trust Company in Big Timber, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Citizens Bank & Trust Company in Big Timber, Montana (MT)
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Citizens Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 1972
    Status: Active
    Federal Reserve ID: 657758
    Bank Holding Company (Regulatory Top Holder): Cbt Corporation, Inc. (RSSDID: 1857779, Location: Big Timber, MT)
    Date Established: January 01, 1927
    WWW: http://www.ctznsbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14087
    FDIC's unique #: 1327
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 26, 2008
    Last Structure Change Process Date: August 12, 2008
    Last Data Update: August 12, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 130 Mcleod Street, Big Timber, MT 59011
    County: Sweet Grass
    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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $103.4 mil
    Equity capital: $11.4 mil
    Deposits held in domestic offices: $89.8 mil
    Return on assets (ROA): 0.79% ($0.8 mil)
    Quarterly return on assets: 0.79% ($0.8 mil)
    Return on Equity (ROE): 7.11% ($0.8 mil)
    Quarterly return on equity: 7.05% ($0.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.19% ($1,230.4 mil)
    Quarterly Pretax return on assets: 1.21% ($1,251.1 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
  • 31Total employees (full-time equivalent)
  • $103,396Total assets
  • $18,410Cash and due from depository institutions
  • $15,206Interest-bearing balances
  • $27,033Securities
  • $800Federal funds sold & reverse repurchase agreements
  • $51,177Net loans & leases
  • $1,112Loan loss allowance
  • $0Trading account assets
  • $941Bank premises and fixed assets
  • $583Other real estate owned
  • $2,362Goodwill and other intangibles
  • $103,396Life insurance assets
  • $2,090All other assets
  • $92,046Total liabilities and capital
  • $89,849Total liabilities
  • $68,153Total deposits
  • $89,849Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 1757.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $440Subordinated debt
  • $11,350All other liabilities
  • $11,350Total equity capital
  • $11,350Total bank equity capital
  • $0Perpetual preferred stock
  • $1,300Common stock
  • $7,300Surplus
  • $2,750Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,217Income earned, not collected on loans
  • $137Earning assets
  • $794Long-term assets (5+ years)
  • $94,216Average Assets, year-to-date
  • $9,932Average Assets, quarterly
  • $99,535Volatile liabilities
  • $100,145Insider loans
  • $59,818FHLB advances
  • $98,788Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,786Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,436Restructured Loans and leases
  • $727Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,165Total interest income
  • $635Total interest expense
  • $3,530Net interest income
  • $110Provision for loan and lease losses
  • $386Total noninterest income
  • $0Fiduciary activities
  • $187Service charges on deposit accounts
  • $0Trading account gains & fees
  • $199Additional noninterest income
  • $2,617Total noninterest expense
  • $1,399Salaries and employee benefits
  • $284Premises and equipment expense
  • $934Additional noninterest expense
  • $1,189Pre-tax net operating income
  • $0Securities gains (losses)
  • $406Applicable income taxes
  • $783Income before extraordinary items
  • $0Extraordinary gains - net
  • $783Net income attributable to bank
  • $0Net charge-offs
  • $783Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $308Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.90%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 7.11%Return on equity (ROE)
  • 4.31%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,041Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.34%Loss allowance to loans
  • 2.13%Loss allowance to noncurrent loans
  • 91.37%Noncurrent assets plus other real estate owned to assets
  • 1.74%Noncurrent loans to loans
  • 2.33%Net loans and leases to deposits
  • 56.96%Net loans and leases to core deposits
  • 60.28%Equity capital to assets
  • 10.98%Core capital (leverage) ratio
  • 8.89%Tier 1 risk-based capital ratio
  • 14.69%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $99,535Average earning assets
  • $11,018Average equity
  • $90,255Average loans

List of branches

  • 3 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01327Citizens Bank & Trust Company130 Mcleod Street, Big Timber, MT 59011January 01, 1927Full Service Brick and Mortar
    11444Continental Branch32 North Central, Harlowton, MT 59036January 01, 1917Full Service Brick and Mortar
    2192030Golden Valley Branch121 East 1st Avenue, Ryegate, MT 59074November 16, 1998Full Service Brick and Mortar

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