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

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