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


  • Montana State Bank in Plentywood, Montana (MT)
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Montana State Bank - Overview

  • General
  • FDIC Certificate #: 2201
    Status: Active
    Federal Reserve ID: 655651
    Bank Holding Company (Regulatory Top Holder): Treasure Bancorp, Inc. (RSSDID: 1139943, Location: Plentywood, MT)
    Date Established: May 25, 1917
    WWW: http://www.montanastatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 1458
    Numeric code: 13
    Regulator: FED
    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: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Third Avenue, Plentywood, MT 59254
    County: Sheridan
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $72.4 mil
    Equity capital: $5.7 mil
    Deposits held in domestic offices: $65.6 mil
    Return on assets (ROA): 1.07% ($0.8 mil)
    Quarterly return on assets: 0.86% ($0.6 mil)
    Return on Equity (ROE): 12.88% ($0.8 mil)
    Quarterly return on equity: 10.46% ($0.6 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.07% ($774.3 mil)
    Quarterly Pretax return on assets: 0.86% ($622.4 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
  • 13Total employees (full-time equivalent)
  • $72,369Total assets
  • $34,015Cash and due from depository institutions
  • $30,453Interest-bearing balances
  • $6,345Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $29,170Net loans & leases
  • $502Loan loss allowance
  • $0Trading account assets
  • $265Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $72,369Life insurance assets
  • $2,074All other assets
  • $66,657Total liabilities and capital
  • $65,579Total liabilities
  • $50,023Total deposits
  • $65,579Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,078Subordinated debt
  • $5,712All other liabilities
  • $5,712Total equity capital
  • $5,712Total bank equity capital
  • $0Perpetual preferred stock
  • $450Common stock
  • $1,950Surplus
  • $3,312Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2Income earned, not collected on loans
  • $0Earning assets
  • $639Long-term assets (5+ years)
  • $66,468Average Assets, year-to-date
  • $3,240Average Assets, quarterly
  • $67,095Volatile liabilities
  • $69,584Insider loans
  • $31,289FHLB advances
  • $69,882Loans and leases held for sale
  • $1,201Unused loan commitments
  • $355Tier 1 (core) risk-based capital
  • $5,574Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $846Total unused commitments
  • $1,732Restructured Loans and leases
  • $776Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,262Total interest income
  • $302Total interest expense
  • $1,960Net interest income
  • $0Provision for loan and lease losses
  • $173Total noninterest income
  • $0Fiduciary activities
  • $71Service charges on deposit accounts
  • $0Trading account gains & fees
  • $102Additional noninterest income
  • $1,415Total noninterest expense
  • $745Salaries and employee benefits
  • $133Premises and equipment expense
  • $537Additional noninterest expense
  • $718Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $718Income before extraordinary items
  • $0Extraordinary gains - net
  • $718Net income attributable to bank
  • $0Net charge-offs
  • $718Cash dividends
  • -$4Sale, conversion, retirement of capital stock, net
  • $331Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.64%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 3.16%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 2.28%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 12.88%Return on equity (ROE)
  • 6.94%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,338Assets per employee
  • 5.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.10%Loss allowance to loans
  • 1.69%Loss allowance to noncurrent loans
  • 25100.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 44.48%Net loans and leases to core deposits
  • 45.72%Equity capital to assets
  • 7.89%Core capital (leverage) ratio
  • 7.98%Tier 1 risk-based capital ratio
  • 17.81%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $67,095Average earning assets
  • $5,573Average equity
  • $62,096Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01458Montana State BankMain And Third Avenue, Plentywood, MT 59254May 25, 1917Full Service Brick and Mortar

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