Ravalli County Bank in Hamilton, Montana (MT)



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Ravalli County Bank routing number info

Table of contents:
Ravalli County Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)54
Total assets$186,845
Cash and due from depository institutions$21,513
Interest-bearing balances$18,279
Securities$44,720
Federal funds sold & reverse repurchase agreements$668
Net loans & leases$101,430
Loan loss allowance $3,006
Trading account assets$0
Bank premises and fixed assets$2,650
Other real estate owned$9,090
Goodwill and other intangibles$12
All other assets$6,762
Life insurance assets$186,845
Total liabilities and capital$167,044
Total liabilities$138,194
Total deposits$108,285
Interest-bearing deposits$138,194
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$28,500
Other borrowed funds $0
Subordinated debt $350
All other liabilities $19,801
Total equity capital$19,801
Total bank equity capital$19,801
Perpetual preferred stock$0
Common stock$700
Surplus$11,300
Undivided profits $7,801
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 $6,194
Earning assets $0
Long-term assets (5+ years) $791
Average Assets, year-to-date $165,097
Average Assets, quarterly $73,711
Volatile liabilities $184,343
Insider loans $186,908
FHLB advances $109,549
Loans and leases held for sale $185,892
Unused loan commitments $2,353
Tier 1 (core) risk-based capital $2,353
Tier 2 risk-based capital $19,218
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,874
Derivatives$88
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,232
Total interest expense $2,084
Net interest income $6,148
Provision for loan and lease losses $2,225
Total noninterest income $110
Fiduciary activities $0
Service charges on deposit accounts $486
Trading account gains & fees $0
Additional noninterest income -$376
Total noninterest expense $5,399
Salaries and employee benefits $3,041
Premises and equipment expense $728
Additional noninterest expense $1,630
Pre-tax net operating income -$1,366
Securities gains (losses) $244
Applicable income taxes -$600
Income before extraordinary items -$522
Extraordinary gains - net $0
Net income attributable to bank -$522
Net charge-offs $0
Cash dividends -$522
Sale, conversion, retirement of capital stock, net $2,448
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 assets5.04%
Cost of funding earning assets 1.28%
Net interest margin 3.76%
Noninterest income to earning assets 0.07%
Noninterest expense to earning assets 3.31%
Net operating income to assets -0.37%
Return on assets (ROA) -0.28%
Pretax return on assets -0.61%
Return on equity (ROE) -2.59%
Retained earnings to average equity (YTD only) -2.59%
Net charge-offs to loans 2.14%
Credit loss provision to net charge-offs 90.89%
Efficiency ratio0.35%
Assets per employee$86,210
Cash dividends to net income (YTD only)3.46%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.88%
Noncurrent assets plus other real estate owned to assets 48.53%
Noncurrent loans to loans 8.18%
Net loans and leases to deposits5.93%
Net loans and leases to core deposits 73.40%
Equity capital to assets 73.81%
Core capital (leverage) ratio 10.60%
Tier 1 risk-based capital ratio 10.34%
Total risk-based capital ratio 17.54%
Memoranda
Average assets$19
Average earning assets$184,343
Average equity $20,173
Average loans $163,315
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