Community Bank, Inc. in Ronan, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Bank, Inc. - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 45Total employees (full-time equivalent)
  • $95,502Total assets
  • $10,536Cash and due from depository institutions
  • $8,081Interest-bearing balances
  • $20,628Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $54,003Net loans & leases
  • $1,687Loan loss allowance
  • $0Trading account assets
  • $3,392Bank premises and fixed assets
  • $1,360Other real estate owned
  • $0Goodwill and other intangibles
  • $95,501Life insurance assets
  • $5,583All other assets
  • $85,930Total liabilities and capital
  • $83,110Total liabilities
  • $57,391Total deposits
  • $83,110Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 266.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,991Trading liabilities
  • $0Other borrowed funds
  • $563Subordinated debt
  • $9,571All other liabilities
  • $9,571Total equity capital
  • $9,571Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $7,300Surplus
  • $1,271Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,526Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,208Income earned, not collected on loans
  • $0Earning assets
  • $487Long-term assets (5+ years)
  • $82,712Average Assets, year-to-date
  • $16,184Average Assets, quarterly
  • $96,076Volatile liabilities
  • $98,189Insider loans
  • $62,670FHLB advances
  • $98,420Loans and leases held for sale
  • $3,289Unused loan commitments
  • $3,289Tier 1 (core) risk-based capital
  • $9,561Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,576Restructured Loans and leases
  • $490Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,351Total interest income
  • $682Total interest expense
  • $3,669Net interest income
  • $840Provision for loan and lease losses
  • $844Total noninterest income
  • $0Fiduciary activities
  • $381Service charges on deposit accounts
  • $0Trading account gains & fees
  • $463Additional noninterest income
  • $4,077Total noninterest expense
  • $2,256Salaries and employee benefits
  • $606Premises and equipment expense
  • $1,215Additional noninterest expense
  • -$404Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$404Income before extraordinary items
  • $0Extraordinary gains - net
  • -$404Net income attributable to bank
  • $0Net charge-offs
  • -$404Cash dividends
  • $511Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.27%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 4.45%Net interest margin
  • 1.02%Noninterest income to earning assets
  • 4.94%Noninterest expense to earning assets
  • -0.42%Net operating income to assets
  • -0.42%Return on assets (ROA)
  • -0.42%Pretax return on assets
  • -4.24%Return on equity (ROE)
  • -4.24%Retained earnings to average equity (YTD only)
  • 0.91%Net charge-offs to loans
  • 164.38%Credit loss provision to net charge-offs
  • 0.85%Efficiency ratio
  • 90,339Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.03%Loss allowance to noncurrent loans
  • 76.40%Noncurrent assets plus other real estate owned to assets
  • 3.74%Noncurrent loans to loans
  • 3.96%Net loans and leases to deposits
  • 64.98%Net loans and leases to core deposits
  • 66.01%Equity capital to assets
  • 10.02%Core capital (leverage) ratio
  • 9.71%Tier 1 risk-based capital ratio
  • 15.26%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $96,076Average earning assets
  • $9,530Average equity
  • $82,491Average loans

List of branches

  • 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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