Citizens' State Bank in Hamilton, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 27, 2007

  • Citizens' State Bank in Hamilton, Montana (MT)
  • Show street view No street view available for this location

Citizens' State Bank - Overview

  • General
  • FDIC Certificate #: 8311
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Security Bank of Missoula (#21010)
    Federal Reserve ID: 605058
    Date Established: April 05, 1905
    WWW: http://www.csbmt.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 11353
    FDIC's unique #: 5304
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 27, 2007
    Last Structure Change Process Date: Febuary 22, 2007
    Last Data Update: Febuary 22, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: First And Main Streets, Hamilton, MT 59840
    County: Ravalli
    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
  • Financial Summary
  • Total assets: $82.7 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, 2006)

  • Dollar figures in thousands
  • 24Total employees (full-time equivalent)
  • $82,668Total assets
  • $3,296Cash and due from depository institutions
  • $0Interest-bearing balances
  • $738Securities
  • $18,099Federal funds sold & reverse repurchase agreements
  • $49,145Net loans & leases
  • $752Loan loss allowance
  • $0Trading account assets
  • $2,290Bank premises and fixed assets
  • $308Other real estate owned
  • $7,862Goodwill and other intangibles
  • $0Life insurance assets
  • $930All other assets
  • $82,668Total liabilities and capital
  • $69,805Total liabilities
  • $67,523Total deposits
  • $56,435Interest-bearing deposits
  • $67,523Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $67Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,300Other borrowed funds
  • $0Subordinated debt
  • $915All other liabilities
  • $12,863Total equity capital
  • $12,863Total bank equity capital
  • $12,863Perpetual preferred stock
  • $0Common stock
  • $800Surplus
  • $11,758Undivided profits
  • Memoranda
  • $305Noncurrent loans and leases
  • $9,298Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2Earning assets
  • $0Long-term assets (5+ years)
  • $331Average Assets, year-to-date
  • $67,982Average Assets, quarterly
  • $9,416Volatile liabilities
  • $74,999Insider loans
  • $78,909FHLB advances
  • $6,094Loans and leases held for sale
  • $1,346Unused loan commitments
  • $1,300Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $9,298Total unused commitments
  • $0Restructured Loans and leases
  • $656Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $1,319Total interest income
  • $344Total interest expense
  • $975Net interest income
  • $0Provision for loan and lease losses
  • $61Total noninterest income
  • $0Fiduciary activities
  • $40Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21Additional noninterest income
  • $537Total noninterest expense
  • $249Salaries and employee benefits
  • $92Premises and equipment expense
  • $196Additional noninterest expense
  • $499Pre-tax net operating income
  • $0Securities gains (losses)
  • $193Applicable income taxes
  • $306Income before extraordinary items
  • $0Extraordinary gains - net
  • $306Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 1.96%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 1.45%Net interest margin
  • 0.09%Noninterest income to earning assets
  • 0.80%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 4.22%Return on equity (ROE)
  • 4.22%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
  • 51,834Assets per employee
  • 3.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 37600.00%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 72.78%Net loans and leases to core deposits
  • 79.92%Equity capital to assets
  • 15.56%Core capital (leverage) ratio
  • 7.04%Tier 1 risk-based capital ratio
  • 9.56%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $74,999Average earning assets
  • $7,253Average equity
  • $67,170Average loans

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