Farmers State Bank of Denton, Montana in Denton, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


Farmers State Bank of Denton, Montana - Overview

  • General
  • FDIC Certificate #: 1973
    Status: Active
    Federal Reserve ID: 595953
    Bank Holding Company (Regulatory Top Holder): W.C. Edwards Holding Co., Inc. (RSSDID: 1989830, Location: Denton, MT)
    Date Established: June 01, 1929
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 1328
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 423 Broadway, Denton, MT 59430
    County: Fergus
    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: $18.7 mil
    Equity capital: $2.3 mil
    Deposits held in domestic offices: $16.0 mil
    Return on assets (ROA): 1.24% ($0.2 mil)
    Quarterly return on assets: 1.18% ($0.2 mil)
    Return on Equity (ROE): 10.31% ($0.2 mil)
    Quarterly return on equity: 9.64% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.24% ($231.9 mil)
    Quarterly Pretax return on assets: 1.18% ($220.6 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
  • 7Total employees (full-time equivalent)
  • $18,698Total assets
  • $1,431Cash and due from depository institutions
  • $738Interest-bearing balances
  • $3,463Securities
  • $560Federal funds sold & reverse repurchase agreements
  • $12,024Net loans & leases
  • $256Loan loss allowance
  • $0Trading account assets
  • $77Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $18,698Life insurance assets
  • $1,143All other assets
  • $16,380Total liabilities and capital
  • $16,006Total liabilities
  • $12,329Total deposits
  • $16,006Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $374Subordinated debt
  • $2,318All other liabilities
  • $2,318Total equity capital
  • $2,318Total bank equity capital
  • $0Perpetual preferred stock
  • $264Common stock
  • $1,161Surplus
  • $893Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $178Income earned, not collected on loans
  • $0Earning assets
  • $291Long-term assets (5+ years)
  • $16,785Average Assets, year-to-date
  • $1,618Average Assets, quarterly
  • $18,751Volatile liabilities
  • $18,960Insider loans
  • $13,542FHLB advances
  • $18,809Loans and leases held for sale
  • $754Unused loan commitments
  • $754Tier 1 (core) risk-based capital
  • $2,148Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,190Restructured Loans and leases
  • $322Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,061Total interest income
  • $118Total interest expense
  • $943Net interest income
  • $76Provision for loan and lease losses
  • $74Total noninterest income
  • $0Fiduciary activities
  • $32Service charges on deposit accounts
  • $0Trading account gains & fees
  • $42Additional noninterest income
  • $708Total noninterest expense
  • $426Salaries and employee benefits
  • $41Premises and equipment expense
  • $241Additional noninterest expense
  • $233Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $233Income before extraordinary items
  • $0Extraordinary gains - net
  • $233Net income attributable to bank
  • $0Net charge-offs
  • $233Cash dividends
  • $62Sale, conversion, retirement of capital stock, net
  • $233Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.24%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 5.54%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 4.16%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 10.31%Return on equity (ROE)
  • 0.00%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 122.58%Credit loss provision to net charge-offs
  • 4.98%Efficiency ratio
  • 69,617Assets per employee
  • 2.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.00%Loss allowance to loans
  • 2.08%Loss allowance to noncurrent loans
  • 143.82%Noncurrent assets plus other real estate owned to assets
  • 0.95%Noncurrent loans to loans
  • 1.45%Net loans and leases to deposits
  • 75.12%Net loans and leases to core deposits
  • 77.86%Equity capital to assets
  • 12.40%Core capital (leverage) ratio
  • 11.42%Tier 1 risk-based capital ratio
  • 15.86%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $18,751Average earning assets
  • $2,259Average equity
  • $17,009Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01328Farmers State Bank Of Denton, Montana423 Broadway, Denton, MT 59430June 01, 1929Full Service Brick and Mortar

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