First State Bank of Stevensville, Montana in Stevensville, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 21, 1994

First State Bank of Stevensville, Montana in Stevensville, Montana (MT)
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First State Bank of Stevensville, Montana - Overview

General
FDIC Certificate #: 359
Status: Inactive
Closing history: Corrections
Acquiring institution: Rocky Mountain Bank (#20310)
Federal Reserve ID: 474151
Date Established: March 09, 1909
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 284
Numeric code: 21
Regulator: FDIC
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: November 21, 1994
Last Structure Change Process Date: December 05, 1994
Last Data Update: December 05, 1994
Data Source Date: April 05, 2012
Location
Address: 220 Main Street, Stevensville, MT 59870
County: Ravalli
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
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $26.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$15Total assets
$24,868Cash and due from depository institutions
$1,521Interest-bearing balances
$0Securities
$5,646Federal funds sold & reverse repurchase agreements
$660Net loans & leases
$15,998Loan loss allowance
$202Trading account assets
$0Bank premises and fixed assets
$682Other real estate owned
$0Goodwill and other intangibles
$361Life insurance assets
$0All other assets
$0Total liabilities and capital
$24,868Total liabilities
$22,846Total deposits
$22,775Interest-bearing deposits
$18,568Deposits held in domestic offices
22775.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$71Total equity capital
$71Total bank equity capital
$2,022Perpetual preferred stock
$0Common stock
$350Surplus
$1,250Undivided profits
Memoranda
$422Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$199Income earned, not collected on loans
$157Earning assets
$22,304Long-term assets (5+ years)
$1,580Average Assets, year-to-date
$23,859Average Assets, quarterly
$24,675Volatile liabilities
$840Insider loans
$361FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,730Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,981Total risk weighted assets
$15,688Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$1,783Total interest expense
$637Net interest income
$1,146Provision for loan and lease losses
$34Total noninterest income
$262Fiduciary activities
$0Service charges on deposit accounts
$191Trading account gains & fees
$0Additional noninterest income
$71Total noninterest expense
$853Salaries and employee benefits
$382Premises and equipment expense
$79Additional noninterest expense
$392Pre-tax net operating income
$521Securities gains (losses)
$0Applicable income taxes
$184Income before extraordinary items
$337Extraordinary gains - net
$0Net income attributable to bank
$337Net charge-offs
-$1Cash dividends
$190Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.28%Cost of funding earning assets
2.96%Net interest margin
5.32%Noninterest income to earning assets
1.22%Noninterest expense to earning assets
3.96%Net operating income to assets
1.41%Return on assets (ROA)
1.41%Pretax return on assets
2.18%Return on equity (ROE)
17.12%Retained earnings to average equity (YTD only)
7.47%Net charge-offs to loans
-0.01%Credit loss provision to net charge-offs
-3400.00%Efficiency ratio
60,582Assets per employee
1.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.38%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
101.51%Noncurrent assets plus other real estate owned to assets
0.80%Noncurrent loans to loans
1.23%Net loans and leases to deposits
70.24%Net loans and leases to core deposits
72.93%Equity capital to assets
8.13%Core capital (leverage) ratio
7.98%Tier 1 risk-based capital ratio
12.63%Total risk-based capital ratio
Memoranda
$14Average assets
$23,859Average earning assets
$1,969Average equity
$21,527Average loans

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