Little Horn State Bank in Hardin, Montana (MT)



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Little Horn State Bank routing number info

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Little Horn State Bank
GeneralFDIC 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
WWW: http://www.littlehornstatebank.com
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)28
Total assets$67,573
Cash and due from depository institutions$2,940
Interest-bearing balances$23
Securities$16,227
Federal funds sold & reverse repurchase agreements$8,000
Net loans & leases$35,023
Loan loss allowance $987
Trading account assets$0
Bank premises and fixed assets$2,896
Other real estate owned$1,275
Goodwill and other intangibles$495
All other assets$717
Life insurance assets$67,573
Total liabilities and capital$60,709
Total liabilities$60,551
Total deposits$50,280
Interest-bearing deposits$60,551
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $158
All other liabilities $6,864
Total equity capital$6,864
Total bank equity capital$6,864
Perpetual preferred stock$0
Common stock$716
Surplus$4,656
Undivided profits $1,492
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $50
Earning assets $0
Long-term assets (5+ years) $392
Average Assets, year-to-date $59,273
Average Assets, quarterly $18,172
Volatile liabilities $64,835
Insider loans $66,384
FHLB advances $41,536
Loans and leases held for sale $66,370
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $6,361
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,938
Derivatives$471
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,188
Total interest expense $233
Net interest income $2,955
Provision for loan and lease losses $225
Total noninterest income $478
Fiduciary activities $0
Service charges on deposit accounts $256
Trading account gains & fees $0
Additional noninterest income $222
Total noninterest expense $3,169
Salaries and employee benefits $1,611
Premises and equipment expense $524
Additional noninterest expense $1,034
Pre-tax net operating income $39
Securities gains (losses) -$81
Applicable income taxes -$71
Income before extraordinary items $29
Extraordinary gains - net $0
Net income attributable to bank $29
Net charge-offs $0
Cash dividends $29
Sale, conversion, retirement of capital stock, net $351
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.66%
Cost of funding earning assets 0.41%
Net interest margin 5.24%
Noninterest income to earning assets 0.85%
Noninterest expense to earning assets 5.62%
Net operating income to assets 0.12%
Return on assets (ROA) 0.04%
Pretax return on assets -0.06%
Return on equity (ROE) 0.43%
Retained earnings to average equity (YTD only) 0.43%
Net charge-offs to loans 0.95%
Credit loss provision to net charge-offs 64.10%
Efficiency ratio0.75%
Assets per employee$92,310
Cash dividends to net income (YTD only)2.41%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.74%
Noncurrent assets plus other real estate owned to assets 1974.00%
Noncurrent loans to loans 1.96%
Net loans and leases to deposits0.14%
Net loans and leases to core deposits 57.84%
Equity capital to assets 59.48%
Core capital (leverage) ratio 10.16%
Tier 1 risk-based capital ratio 9.58%
Total risk-based capital ratio 15.31%
Memoranda
Average assets$17
Average earning assets$64,835
Average equity $6,761
Average loans $56,343
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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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