Community Bank - Missoula in Missoula, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Bank - Missoula in Missoula, Montana (MT)
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Community Bank - Missoula - Overview

  • General
  • FDIC Certificate #: 33967
    Status: Active
    Federal Reserve ID: 2265335
    Bank Holding Company (Regulatory Top Holder): Montana Community Banks, Inc. (RSSDID: 1123661, Location: Ronan, MT)
    Date Established: January 19, 1995
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 16005
    FDIC's unique #: 55341
    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 19, 1995
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 3010 American Way, Missoula, MT 59808
    County: Missoula
    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): Missoula, MT (#5140)
    Core Based Statistical Area (CBSA): Missoula, MT (#33540)
    CBSA Metro Statistical Area: Missoula, MT (#33540)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $79.9 mil
    Equity capital: $9.0 mil
    Deposits held in domestic offices: $65.8 mil
    Return on assets (ROA): 1.12% ($0.9 mil)
    Quarterly return on assets: 1.42% ($1.1 mil)
    Return on Equity (ROE): 10.59% ($1.0 mil)
    Quarterly return on equity: 12.74% ($1.1 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.12% ($895.3 mil)
    Quarterly Pretax return on assets: 1.42% ($1,135.2 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
  • 20Total employees (full-time equivalent)
  • $79,941Total assets
  • $29,010Cash and due from depository institutions
  • $28,231Interest-bearing balances
  • $7,038Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $38,613Net loans & leases
  • $1,290Loan loss allowance
  • $0Trading account assets
  • $3,050Bank premises and fixed assets
  • $455Other real estate owned
  • $0Goodwill and other intangibles
  • $79,941Life insurance assets
  • $1,775All other assets
  • $70,903Total liabilities and capital
  • $65,815Total liabilities
  • $52,499Total deposits
  • $65,815Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 738.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,399Trading liabilities
  • $0Other borrowed funds
  • $951Subordinated debt
  • $9,038All other liabilities
  • $9,038Total equity capital
  • $9,038Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $6,500Surplus
  • $1,538Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $809Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,495Income earned, not collected on loans
  • $0Earning assets
  • $197Long-term assets (5+ years)
  • $73,882Average Assets, year-to-date
  • $16,349Average Assets, quarterly
  • $82,672Volatile liabilities
  • $80,573Insider loans
  • $45,768FHLB advances
  • $81,520Loans and leases held for sale
  • $782Unused loan commitments
  • $782Tier 1 (core) risk-based capital
  • $8,993Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,227Restructured Loans and leases
  • $13Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,419Total interest income
  • $911Total interest expense
  • $2,508Net interest income
  • $0Provision for loan and lease losses
  • $556Total noninterest income
  • $0Fiduciary activities
  • $153Service charges on deposit accounts
  • $0Trading account gains & fees
  • $403Additional noninterest income
  • $2,137Total noninterest expense
  • $1,226Salaries and employee benefits
  • $284Premises and equipment expense
  • $627Additional noninterest expense
  • $927Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $928Income before extraordinary items
  • $0Extraordinary gains - net
  • $928Net income attributable to bank
  • $0Net charge-offs
  • $928Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $368Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.29%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 10.59%Return on equity (ROE)
  • 6.39%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 92.70%Efficiency ratio
  • 69,745Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.66%Loss allowance to loans
  • 3.23%Loss allowance to noncurrent loans
  • 86.29%Noncurrent assets plus other real estate owned to assets
  • 2.44%Noncurrent loans to loans
  • 3.75%Net loans and leases to deposits
  • 58.67%Net loans and leases to core deposits
  • 64.13%Equity capital to assets
  • 11.31%Core capital (leverage) ratio
  • 11.03%Tier 1 risk-based capital ratio
  • 19.65%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $82,672Average earning assets
  • $8,767Average equity
  • $76,130Average loans

List of branches

  • 3 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    055341Community Bank - Missoula3010 American Way, Missoula, MT 59808January 19, 1995Full Service Brick and Mortar
    1290256Broadway Branch218 East Main Street, Missoula, MT 59802July 01, 1997Full Service Brick and Mortar
    2478538Southside Branch3200 Brooks Street, Missoula, MT 59801January 02, 2008Full Service Brick and Mortar

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