Dutton State Bank in Dutton, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


Dutton State Bank - Overview

  • General
  • FDIC Certificate #: 18292
    Status: Active
    Federal Reserve ID: 671857
    Bank Holding Company (Regulatory Top Holder): Dutton Bancorporation, Inc. (RSSDID: 2270834, Location: Dutton, MT)
    Date Established: September 12, 1960
    WWW: http://www.duttonstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 16006
    FDIC's unique #: 12208
    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: September 12, 1960
    Last Structure Change Effective Date: Febuary 21, 2012
    Last Structure Change Process Date: Febuary 21, 2012
    Last Data Update: Febuary 21, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 Main Street West, Dutton, MT 59433
    County: Teton
    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
  • Financial Summary
  • Total assets: $30.5 mil
    Equity capital: $2.7 mil
    Deposits held in domestic offices: $27.7 mil
    Return on assets (ROA): 0.16% ($0.0 mil)
    Quarterly return on assets: 0.21% ($0.1 mil)
    Return on Equity (ROE): 1.94% ($0.1 mil)
    Quarterly return on equity: 2.39% ($0.1 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.18% ($54.9 mil)
    Quarterly Pretax return on assets: 0.12% ($36.6 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)
  • $30,521Total assets
  • $2,896Cash and due from depository institutions
  • $1,503Interest-bearing balances
  • $4,599Securities
  • $1,900Federal funds sold & reverse repurchase agreements
  • $19,794Net loans & leases
  • $337Loan loss allowance
  • $0Trading account assets
  • $516Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $30,521Life insurance assets
  • $816All other assets
  • $27,840Total liabilities and capital
  • $27,689Total liabilities
  • $17,660Total deposits
  • $27,689Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $151Subordinated debt
  • $2,681All other liabilities
  • $2,681Total equity capital
  • $2,681Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $2,035Surplus
  • $346Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $451Income earned, not collected on loans
  • $0Earning assets
  • $331Long-term assets (5+ years)
  • $27,796Average Assets, year-to-date
  • $6,866Average Assets, quarterly
  • $30,003Volatile liabilities
  • $30,627Insider loans
  • $21,699FHLB advances
  • $30,242Loans and leases held for sale
  • $367Unused loan commitments
  • $367Tier 1 (core) risk-based capital
  • $2,672Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,277Restructured Loans and leases
  • $424Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,198Total interest income
  • $177Total interest expense
  • $1,021Net interest income
  • $124Provision for loan and lease losses
  • $118Total noninterest income
  • $0Fiduciary activities
  • $53Service charges on deposit accounts
  • $0Trading account gains & fees
  • $65Additional noninterest income
  • $960Total noninterest expense
  • $561Salaries and employee benefits
  • $69Premises and equipment expense
  • $330Additional noninterest expense
  • $55Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • $47Income before extraordinary items
  • $0Extraordinary gains - net
  • $47Net income attributable to bank
  • $0Net charge-offs
  • $47Cash dividends
  • $86Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.42%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 0.16%Net operating income to assets
  • 0.16%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • 1.94%Return on equity (ROE)
  • 1.94%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 144.19%Credit loss provision to net charge-offs
  • 2.08%Efficiency ratio
  • 84,284Assets per employee
  • 2.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 74.72%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 2.24%Net loans and leases to deposits
  • 71.49%Net loans and leases to core deposits
  • 73.77%Equity capital to assets
  • 8.78%Core capital (leverage) ratio
  • 8.84%Tier 1 risk-based capital ratio
  • 12.31%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $30,003Average earning assets
  • $2,417Average equity
  • $27,121Average loans

List of branches

  • 2 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012208Dutton State Bank101 Main Street West, Dutton, MT 59433September 12, 1960Full Service Brick and Mortar
    1480109White Sulphur Springs Branch4261 Highway 12 East, White Sulphur Springs, MT 59645July 24, 2008Full Service Brick and Mortar

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