Little Horn State Bank in Hardin, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

Little Horn State Bank - Overview

  • General
  • FDIC Certificate #: 11821
    Status: Active
    Federal Reserve ID: 537551
    Bank Holding Company (Regulatory Top Holder): Antler Land Company (RSSDID: 1122301, Location: Hardin, MT)
    Date Established: January 01, 1919
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 7562
    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: January 01, 1934
    Last Structure Change Effective Date: Febuary 16, 2010
    Last Structure Change Process Date: Febuary 16, 2010
    Last Data Update: Febuary 16, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 835 North Center Avenue, Hardin, MT 59034
    County: Big Horn
    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: $67.6 mil
    Equity capital: $6.9 mil
    Deposits held in domestic offices: $60.6 mil
    Return on assets (ROA): 0.04% ($0.0 mil)
    Quarterly return on assets: -0.09% (-$0.1 mil)
    Return on Equity (ROE): 0.43% ($0.0 mil)
    Quarterly return on equity: -0.87% (-$0.1 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.06% (-$40.5 mil)
    Quarterly Pretax return on assets: -0.28% (-$189.2 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
  • 28Total employees (full-time equivalent)
  • $67,573Total assets
  • $2,940Cash and due from depository institutions
  • $23Interest-bearing balances
  • $16,227Securities
  • $8,000Federal funds sold & reverse repurchase agreements
  • $35,023Net loans & leases
  • $987Loan loss allowance
  • $0Trading account assets
  • $2,896Bank premises and fixed assets
  • $1,275Other real estate owned
  • $495Goodwill and other intangibles
  • $67,573Life insurance assets
  • $717All other assets
  • $60,709Total liabilities and capital
  • $60,551Total liabilities
  • $50,280Total deposits
  • $60,551Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $158Subordinated debt
  • $6,864All other liabilities
  • $6,864Total equity capital
  • $6,864Total bank equity capital
  • $0Perpetual preferred stock
  • $716Common stock
  • $4,656Surplus
  • $1,492Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $50Income earned, not collected on loans
  • $0Earning assets
  • $392Long-term assets (5+ years)
  • $59,273Average Assets, year-to-date
  • $18,172Average Assets, quarterly
  • $64,835Volatile liabilities
  • $66,384Insider loans
  • $41,536FHLB advances
  • $66,370Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,361Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,938Restructured Loans and leases
  • $471Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,188Total interest income
  • $233Total interest expense
  • $2,955Net interest income
  • $225Provision for loan and lease losses
  • $478Total noninterest income
  • $0Fiduciary activities
  • $256Service charges on deposit accounts
  • $0Trading account gains & fees
  • $222Additional noninterest income
  • $3,169Total noninterest expense
  • $1,611Salaries and employee benefits
  • $524Premises and equipment expense
  • $1,034Additional noninterest expense
  • $39Pre-tax net operating income
  • -$81Securities gains (losses)
  • -$71Applicable income taxes
  • $29Income before extraordinary items
  • $0Extraordinary gains - net
  • $29Net income attributable to bank
  • $0Net charge-offs
  • $29Cash dividends
  • $351Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.66%Yield on earning assets
  • 0.41%Cost of funding earning assets
  • 5.24%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 5.62%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • -0.06%Pretax return on assets
  • 0.43%Return on equity (ROE)
  • 0.43%Retained earnings to average equity (YTD only)
  • 0.95%Net charge-offs to loans
  • 64.10%Credit loss provision to net charge-offs
  • 0.75%Efficiency ratio
  • 92,310Assets per employee
  • 2.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.74%Loss allowance to noncurrent loans
  • 1974.00%Noncurrent assets plus other real estate owned to assets
  • 1.96%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 57.84%Net loans and leases to core deposits
  • 59.48%Equity capital to assets
  • 10.16%Core capital (leverage) ratio
  • 9.58%Tier 1 risk-based capital ratio
  • 15.31%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $64,835Average earning assets
  • $6,761Average equity
  • $56,343Average loans

List of branches

  • 3 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07562Little Horn State Bank835 North Center Avenue, Hardin, MT 59034January 01, 1919Full Service Brick and Mortar
    1225756Lockwood Branch2850 Old Hardin Road, Billings, MT 59101September 29, 1997Full Service Brick and Mortar
    3364837Billings Branch2209 Central Avenue, Billings, MT 59102May 01, 2002Full Service Brick and Mortar

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