Ravalli County Bank in Hamilton, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2012

Ravalli County Bank - Overview

  • General
  • FDIC Certificate #: 8310
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bitterroot Valley Bank (#23806)
    Federal Reserve ID: 604556
    Bank Holding Company (Regulatory Top Holder): Ravalli County Bankshares, Inc. (RSSDID: 1127584, Location: Hamilton, MT)
    Date Established: April 01, 1895
    WWW: http://www.ravallibank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14554
    FDIC's unique #: 5303
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 2012
    Last Structure Change Process Date: January 24, 2012
    Last Data Update: January 24, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 244 West Pinckney, Hamilton, MT 59840
    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
  • Financial Summary
  • Total assets: $186.8 mil
    Equity capital: $19.8 mil
    Deposits held in domestic offices: $138.2 mil
    Return on assets (ROA): -0.28% (-$0.5 mil)
    Quarterly return on assets: -1.42% (-$2.7 mil)
    Return on Equity (ROE): -2.59% (-$0.5 mil)
    Quarterly return on equity: -13.17% (-$2.6 mil)
    Net income: -$0.5 mil
    Quarterly Net income: -$0.7 mil
    Pretax return on assets: -0.61% (-$1,139.8 mil)
    Quarterly Pretax return on assets: -2.47% (-$4,615.1 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
  • 54Total employees (full-time equivalent)
  • $186,845Total assets
  • $21,513Cash and due from depository institutions
  • $18,279Interest-bearing balances
  • $44,720Securities
  • $668Federal funds sold & reverse repurchase agreements
  • $101,430Net loans & leases
  • $3,006Loan loss allowance
  • $0Trading account assets
  • $2,650Bank premises and fixed assets
  • $9,090Other real estate owned
  • $12Goodwill and other intangibles
  • $186,845Life insurance assets
  • $6,762All other assets
  • $167,044Total liabilities and capital
  • $138,194Total liabilities
  • $108,285Total deposits
  • $138,194Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $28,500Trading liabilities
  • $0Other borrowed funds
  • $350Subordinated debt
  • $19,801All other liabilities
  • $19,801Total equity capital
  • $19,801Total bank equity capital
  • $0Perpetual preferred stock
  • $700Common stock
  • $11,300Surplus
  • $7,801Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,194Income earned, not collected on loans
  • $0Earning assets
  • $791Long-term assets (5+ years)
  • $165,097Average Assets, year-to-date
  • $73,711Average Assets, quarterly
  • $184,343Volatile liabilities
  • $186,908Insider loans
  • $109,549FHLB advances
  • $185,892Loans and leases held for sale
  • $2,353Unused loan commitments
  • $2,353Tier 1 (core) risk-based capital
  • $19,218Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,874Restructured Loans and leases
  • $88Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,232Total interest income
  • $2,084Total interest expense
  • $6,148Net interest income
  • $2,225Provision for loan and lease losses
  • $110Total noninterest income
  • $0Fiduciary activities
  • $486Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$376Additional noninterest income
  • $5,399Total noninterest expense
  • $3,041Salaries and employee benefits
  • $728Premises and equipment expense
  • $1,630Additional noninterest expense
  • -$1,366Pre-tax net operating income
  • $244Securities gains (losses)
  • -$600Applicable income taxes
  • -$522Income before extraordinary items
  • $0Extraordinary gains - net
  • -$522Net income attributable to bank
  • $0Net charge-offs
  • -$522Cash dividends
  • $2,448Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.28%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 3.31%Noninterest expense to earning assets
  • -0.37%Net operating income to assets
  • -0.28%Return on assets (ROA)
  • -0.61%Pretax return on assets
  • -2.59%Return on equity (ROE)
  • -2.59%Retained earnings to average equity (YTD only)
  • 2.14%Net charge-offs to loans
  • 90.89%Credit loss provision to net charge-offs
  • 0.35%Efficiency ratio
  • 86,210Assets per employee
  • 3.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.88%Loss allowance to noncurrent loans
  • 48.53%Noncurrent assets plus other real estate owned to assets
  • 8.18%Noncurrent loans to loans
  • 5.93%Net loans and leases to deposits
  • 73.40%Net loans and leases to core deposits
  • 73.81%Equity capital to assets
  • 10.60%Core capital (leverage) ratio
  • 10.34%Tier 1 risk-based capital ratio
  • 17.54%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $184,343Average earning assets
  • $20,173Average equity
  • $163,315Average loans

Comment about this bank, ask questions, or add new information about it:

Could not connect to database: Access denied for user 'buser'@'' (using password: YES)

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Ravalli County Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents