Community First Bank of Glendive in Glendive, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community First Bank of Glendive in Glendive, Montana (MT)
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Community First Bank of Glendive - Overview

  • General
  • FDIC Certificate #: 22974
    Status: Active
    Federal Reserve ID: 599755
    Bank Holding Company (Regulatory Top Holder): Richey Bancorporation, Inc. (RSSDID: 1122954, Location: Glendive, MT)
    Date Established: November 05, 1979
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 16075
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: November 05, 1979
    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: 319 North Merrill Avenue, Glendive, MT 59330
    County: Dawson
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $47.6 mil
    Equity capital: $4.7 mil
    Deposits held in domestic offices: $42.7 mil
    Return on assets (ROA): 0.66% ($0.3 mil)
    Quarterly return on assets: 0.65% ($0.3 mil)
    Return on Equity (ROE): 6.55% ($0.3 mil)
    Quarterly return on equity: 6.36% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.96% ($456.8 mil)
    Quarterly Pretax return on assets: 0.96% ($456.8 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
  • 13Total employees (full-time equivalent)
  • $47,583Total assets
  • $7,674Cash and due from depository institutions
  • $4,648Interest-bearing balances
  • $12,076Securities
  • $3,950Federal funds sold & reverse repurchase agreements
  • $23,110Net loans & leases
  • $350Loan loss allowance
  • $0Trading account assets
  • $206Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $47,583Life insurance assets
  • $567All other assets
  • $42,900Total liabilities and capital
  • $42,734Total liabilities
  • $29,538Total deposits
  • $42,734Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $166Subordinated debt
  • $4,683All other liabilities
  • $4,683Total equity capital
  • $4,683Total bank equity capital
  • $0Perpetual preferred stock
  • $1,014Common stock
  • $2,236Surplus
  • $1,433Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3Income earned, not collected on loans
  • $0Earning assets
  • $408Long-term assets (5+ years)
  • $43,784Average Assets, year-to-date
  • $16,553Average Assets, quarterly
  • $44,980Volatile liabilities
  • $46,027Insider loans
  • $28,028FHLB advances
  • $47,446Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,474Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,350Restructured Loans and leases
  • $1,604Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,796Total interest income
  • $279Total interest expense
  • $1,517Net interest income
  • $40Provision for loan and lease losses
  • $111Total noninterest income
  • $0Fiduciary activities
  • $58Service charges on deposit accounts
  • $0Trading account gains & fees
  • $53Additional noninterest income
  • $1,158Total noninterest expense
  • $646Salaries and employee benefits
  • $95Premises and equipment expense
  • $417Additional noninterest expense
  • $430Pre-tax net operating income
  • $0Securities gains (losses)
  • $132Applicable income taxes
  • $298Income before extraordinary items
  • $0Extraordinary gains - net
  • $298Net income attributable to bank
  • $0Net charge-offs
  • $298Cash dividends
  • $42Sale, conversion, retirement of capital stock, net
  • $118Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 6.55%Return on equity (ROE)
  • 3.96%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 95.24%Credit loss provision to net charge-offs
  • 11.19%Efficiency ratio
  • 71,130Assets per employee
  • 3.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.60%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 11666.67%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 54.08%Net loans and leases to core deposits
  • 54.41%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 9.43%Tier 1 risk-based capital ratio
  • 15.96%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $44,980Average earning assets
  • $4,549Average equity
  • $41,531Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016075Community First Bank Of Glendive319 North Merrill Avenue, Glendive, MT 59330November 05, 1979Full Service Brick and Mortar

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