Community Bank, Inc. in Ronan, Montana (MT)



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Community Bank, Inc. routing number info

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Community Bank, Inc.
GeneralFDIC Certificate #: 1979
Status: Active
Federal Reserve ID: 685555
Bank Holding Company (Regulatory Top Holder): Montana Community Banks, Inc. (RSSDID: 1123661, Location: Ronan, MT)
Date Established: January 01, 1910
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 13504
FDIC's unique #: 1331
Numeric code: 13
Regulator: FED
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 13, 2006
Last Structure Change Process Date: July 26, 2007
Last Data Update: July 26, 2007
Data Source Date: April 05, 2012
LocationAddress: 63239 Us Highway 93, Ronan, MT 59864
County: Lake
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 ChangesChange in Location
Financial SummaryTotal assets: $95.5 mil
Equity capital: $9.6 mil
Deposits held in domestic offices: $83.1 mil
Return on assets (ROA): -0.42% (-$0.4 mil)
Quarterly return on assets: -0.40% (-$0.4 mil)
Return on Equity (ROE): -4.24% (-$0.4 mil)
Quarterly return on equity: -4.11% (-$0.4 mil)
Net income: -$0.4 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: -0.42% (-$401.1 mil)
Quarterly Pretax return on assets: -0.40% (-$382.0 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)45
Total assets$95,502
Cash and due from depository institutions$10,536
Interest-bearing balances$8,081
Securities$20,628
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$54,003
Loan loss allowance $1,687
Trading account assets$0
Bank premises and fixed assets$3,392
Other real estate owned$1,360
Goodwill and other intangibles$0
All other assets$5,583
Life insurance assets$95,501
Total liabilities and capital$85,930
Total liabilities$83,110
Total deposits$57,391
Interest-bearing deposits$83,110
Deposits held in domestic offices$93
% insured (estimated)266.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,991
Other borrowed funds $0
Subordinated debt $563
All other liabilities $9,571
Total equity capital$9,571
Total bank equity capital$9,571
Perpetual preferred stock$0
Common stock$1,000
Surplus$7,300
Undivided profits $1,271
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,526
Income earned, not collected on loans $2,208
Earning assets $0
Long-term assets (5+ years) $487
Average Assets, year-to-date $82,712
Average Assets, quarterly $16,184
Volatile liabilities $96,076
Insider loans $98,189
FHLB advances $62,670
Loans and leases held for sale $98,420
Unused loan commitments $3,289
Tier 1 (core) risk-based capital $3,289
Tier 2 risk-based capital $9,561
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,576
Derivatives$490
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,351
Total interest expense $682
Net interest income $3,669
Provision for loan and lease losses $840
Total noninterest income $844
Fiduciary activities $0
Service charges on deposit accounts $381
Trading account gains & fees $0
Additional noninterest income $463
Total noninterest expense $4,077
Salaries and employee benefits $2,256
Premises and equipment expense $606
Additional noninterest expense $1,215
Pre-tax net operating income -$404
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$404
Extraordinary gains - net $0
Net income attributable to bank -$404
Net charge-offs $0
Cash dividends -$404
Sale, conversion, retirement of capital stock, net $511
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.27%
Cost of funding earning assets 0.83%
Net interest margin 4.45%
Noninterest income to earning assets 1.02%
Noninterest expense to earning assets 4.94%
Net operating income to assets -0.42%
Return on assets (ROA) -0.42%
Pretax return on assets -0.42%
Return on equity (ROE) -4.24%
Retained earnings to average equity (YTD only) -4.24%
Net charge-offs to loans 0.91%
Credit loss provision to net charge-offs 164.38%
Efficiency ratio0.85%
Assets per employee$90,339
Cash dividends to net income (YTD only)2.12%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.03%
Noncurrent assets plus other real estate owned to assets 76.40%
Noncurrent loans to loans 3.74%
Net loans and leases to deposits3.96%
Net loans and leases to core deposits 64.98%
Equity capital to assets 66.01%
Core capital (leverage) ratio 10.02%
Tier 1 risk-based capital ratio 9.71%
Total risk-based capital ratio 15.26%
Memoranda
Average assets$17
Average earning assets$96,076
Average equity $9,530
Average loans $82,491
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5 Montana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01331Community Bank, Inc.63239 Us Highway 93, Ronan, MT 59864January 01, 1910Full Service Brick and Mortar
2190483Pablo Branch36042 Major Houle Rd, Pablo, MT 59855June 17, 1991Limited Service Facility
3190484Polson - Super One Branch50331 Us Highway 93, Polson, MT 59860July 23, 1998Limited Service Facility
4190485Polson Branch50510 Us Highway 93, Polson, MT 59860March 15, 1999Full Service Brick and Mortar
5419476Harvest Foods Branch63802 Us Hwy 93, Ronan, MT 59864April 07, 2003Limited Service Facility
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