Manhattan Bank in Manhattan, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Manhattan Bank in Manhattan, Montana (MT)
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Manhattan Bank - Overview

  • General
  • FDIC Certificate #: 11823
    Status: Active
    Federal Reserve ID: 614751
    Bank Holding Company (Regulatory Top Holder): Msb Financial, Inc. (RSSDID: 2851318, Location: Manhattan, MT)
    Date Established: October 05, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 7564
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 14, 2007
    Last Structure Change Process Date: Febuary 20, 2008
    Last Data Update: Febuary 20, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 South Broadway, Manhattan, MT 59741
    County: Gallatin
    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
    Core Based Statistical Area (CBSA): Bozeman, MT (#14580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $119.7 mil
    Equity capital: $12.1 mil
    Deposits held in domestic offices: $106.9 mil
    Return on assets (ROA): 1.04% ($1.2 mil)
    Quarterly return on assets: 0.82% ($1.0 mil)
    Return on Equity (ROE): 10.35% ($1.2 mil)
    Quarterly return on equity: 7.96% ($1.0 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.04% ($1,244.9 mil)
    Quarterly Pretax return on assets: 0.82% ($981.6 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
  • 37Total employees (full-time equivalent)
  • $119,702Total assets
  • $6,402Cash and due from depository institutions
  • $3,253Interest-bearing balances
  • $42,035Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,062Net loans & leases
  • $1,910Loan loss allowance
  • $0Trading account assets
  • $2,969Bank premises and fixed assets
  • $907Other real estate owned
  • $0Goodwill and other intangibles
  • $119,702Life insurance assets
  • $3,327All other assets
  • $107,644Total liabilities and capital
  • $106,947Total liabilities
  • $85,372Total deposits
  • $106,947Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $697Subordinated debt
  • $12,058All other liabilities
  • $12,058Total equity capital
  • $12,058Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $7,700Surplus
  • $3,608Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,245Income earned, not collected on loans
  • $0Earning assets
  • $763Long-term assets (5+ years)
  • $109,350Average Assets, year-to-date
  • $52,585Average Assets, quarterly
  • $114,573Volatile liabilities
  • $117,006Insider loans
  • $76,297FHLB advances
  • $116,327Loans and leases held for sale
  • $1,723Unused loan commitments
  • $1,038Tier 1 (core) risk-based capital
  • $11,306Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $685Total unused commitments
  • $8,107Restructured Loans and leases
  • $826Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,447Total interest income
  • $630Total interest expense
  • $4,817Net interest income
  • $300Provision for loan and lease losses
  • $508Total noninterest income
  • $0Fiduciary activities
  • $288Service charges on deposit accounts
  • $0Trading account gains & fees
  • $220Additional noninterest income
  • $3,833Total noninterest expense
  • $2,415Salaries and employee benefits
  • $475Premises and equipment expense
  • $943Additional noninterest expense
  • $1,192Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,192Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,192Net income attributable to bank
  • $0Net charge-offs
  • $1,192Cash dividends
  • $331Sale, conversion, retirement of capital stock, net
  • $700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 4.60%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 10.35%Return on equity (ROE)
  • 4.27%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 90.63%Credit loss provision to net charge-offs
  • 4.51%Efficiency ratio
  • 71,981Assets per employee
  • 3.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.72%Loss allowance to loans
  • 2.90%Loss allowance to noncurrent loans
  • 85.08%Noncurrent assets plus other real estate owned to assets
  • 2.63%Noncurrent loans to loans
  • 3.40%Net loans and leases to deposits
  • 59.90%Net loans and leases to core deposits
  • 62.36%Equity capital to assets
  • 10.07%Core capital (leverage) ratio
  • 9.72%Tier 1 risk-based capital ratio
  • 14.82%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $114,573Average earning assets
  • $11,515Average equity
  • $104,771Average loans

List of branches

  • 4 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07564Manhattan Bank124 South Broadway, Manhattan, MT 59741October 05, 1905Full Service Brick and Mortar
    1225757Amsterdam Churchill Branch7175 Churchill Road, Manhattan, MT 59741September 01, 1998Full Service Brick and Mortar
    2358637Three Forks Branch2 Railway Avenue, Three Forks, MT 59752October 23, 2000Full Service Brick and Mortar
    3473859Manhattan Bank2610 West Main Street, Bozeman, MT 59718April 01, 2008Full Service Brick and Mortar

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