Community Bank - Missoula in Missoula, Montana (MT)



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Community Bank - Missoula
GeneralFDIC 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
WWW: http://www.communitybankmissoula.com
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
LocationAddress: 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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)20
Total assets$79,941
Cash and due from depository institutions$29,010
Interest-bearing balances$28,231
Securities$7,038
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$38,613
Loan loss allowance $1,290
Trading account assets$0
Bank premises and fixed assets$3,050
Other real estate owned$455
Goodwill and other intangibles$0
All other assets$1,775
Life insurance assets$79,941
Total liabilities and capital$70,903
Total liabilities$65,815
Total deposits$52,499
Interest-bearing deposits$65,815
Deposits held in domestic offices$92
% insured (estimated)738.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,399
Other borrowed funds $0
Subordinated debt $951
All other liabilities $9,038
Total equity capital$9,038
Total bank equity capital$9,038
Perpetual preferred stock$0
Common stock$1,000
Surplus$6,500
Undivided profits $1,538
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $809
Income earned, not collected on loans $1,495
Earning assets $0
Long-term assets (5+ years) $197
Average Assets, year-to-date $73,882
Average Assets, quarterly $16,349
Volatile liabilities $82,672
Insider loans $80,573
FHLB advances $45,768
Loans and leases held for sale $81,520
Unused loan commitments $782
Tier 1 (core) risk-based capital $782
Tier 2 risk-based capital $8,993
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,227
Derivatives$13
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,419
Total interest expense $911
Net interest income $2,508
Provision for loan and lease losses $0
Total noninterest income $556
Fiduciary activities $0
Service charges on deposit accounts $153
Trading account gains & fees $0
Additional noninterest income $403
Total noninterest expense $2,137
Salaries and employee benefits $1,226
Premises and equipment expense $284
Additional noninterest expense $627
Pre-tax net operating income $927
Securities gains (losses) $1
Applicable income taxes $0
Income before extraordinary items $928
Extraordinary gains - net $0
Net income attributable to bank $928
Net charge-offs $0
Cash dividends $928
Sale, conversion, retirement of capital stock, net $10
Net operating income $368
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.49%
Cost of funding earning assets 1.20%
Net interest margin 3.29%
Noninterest income to earning assets 0.73%
Noninterest expense to earning assets 2.81%
Net operating income to assets 1.12%
Return on assets (ROA) 1.12%
Pretax return on assets 1.12%
Return on equity (ROE) 10.59%
Retained earnings to average equity (YTD only) 6.39%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio92.70%
Assets per employee$69,745
Cash dividends to net income (YTD only)4.00%
Condition Ratios (%)
Loss allowance to loans 39.66%
Loss allowance to noncurrent loans 3.23%
Noncurrent assets plus other real estate owned to assets 86.29%
Noncurrent loans to loans 2.44%
Net loans and leases to deposits3.75%
Net loans and leases to core deposits 58.67%
Equity capital to assets 64.13%
Core capital (leverage) ratio 11.31%
Tier 1 risk-based capital ratio 11.03%
Total risk-based capital ratio 19.65%
Memoranda
Average assets$21
Average earning assets$82,672
Average equity $8,767
Average loans $76,130
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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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