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

This bank is inactive as of March 29, 1999

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

  • General
  • FDIC Certificate #: 11822
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Community Bank (#2176)
    Federal Reserve ID: 599054
    Date Established: August 11, 1911
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 7563
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 29, 1999
    Last Structure Change Process Date: May 06, 1999
    Last Data Update: May 06, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 109 Main Street, Froid, MT 59226
    County: Roosevelt
    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: $12.5 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 5Total employees (full-time equivalent)
  • $12,464Total assets
  • $1,561Cash and due from depository institutions
  • $1,136Interest-bearing balances
  • $1,349Securities
  • $5,300Federal funds sold & reverse repurchase agreements
  • $3,920Net loans & leases
  • $47Loan loss allowance
  • $0Trading account assets
  • $62Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $272All other assets
  • $12,464Total liabilities and capital
  • $11,222Total liabilities
  • $11,081Total deposits
  • $9,472Interest-bearing deposits
  • $11,081Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $141All other liabilities
  • $1,242Total equity capital
  • $1,242Total bank equity capital
  • $1,242Perpetual preferred stock
  • $0Common stock
  • $390Surplus
  • $410Undivided profits
  • Memoranda
  • $442Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $11Earning assets
  • $0Long-term assets (5+ years)
  • $152Average Assets, year-to-date
  • $11,705Average Assets, quarterly
  • $2,183Volatile liabilities
  • $12,220Insider loans
  • $12,367FHLB advances
  • $1,030Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $547Total unused commitments
  • $0Restructured Loans and leases
  • $5,673Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $870Total interest income
  • $380Total interest expense
  • $490Net interest income
  • $0Provision for loan and lease losses
  • $27Total noninterest income
  • $0Fiduciary activities
  • $14Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13Additional noninterest income
  • $506Total noninterest expense
  • $312Salaries and employee benefits
  • $20Premises and equipment expense
  • $174Additional noninterest expense
  • $11Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • $7Income before extraordinary items
  • $0Extraordinary gains - net
  • $7Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.67%Yield on earning assets
  • 3.35%Cost of funding earning assets
  • 4.32%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 4.46%Noninterest expense to earning assets
  • 0.06%Net operating income to assets
  • 0.06%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 0.49%Return on equity (ROE)
  • -13.55%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 3.67%Efficiency ratio
  • 97,872Assets per employee
  • 2.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2857.14%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 427.27%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 35.38%Net loans and leases to core deposits
  • 39.00%Equity capital to assets
  • 9.96%Core capital (leverage) ratio
  • 9.74%Tier 1 risk-based capital ratio
  • 21.65%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $12,220Average earning assets
  • $1,425Average equity
  • $11,346Average loans

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