Rocky Mountain Bank of Plains in Plains, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 21, 1994

Rocky Mountain Bank of Plains in Plains, Montana (MT)
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Rocky Mountain Bank of Plains - Overview

General
FDIC Certificate #: 2198
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Rocky Mountain Bank (#20310)
Federal Reserve ID: 621254
Date Established: April 01, 1904
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 1456
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 21, 1994
Last Structure Change Process Date: December 05, 1994
Last Data Update: December 05, 1994
Data Source Date: April 05, 2012
Location
Address: 108 East Railroad Avenue, Plains, MT 59859
County: Sanders
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: $26.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$13Total assets
$26,401Cash and due from depository institutions
$899Interest-bearing balances
$100Securities
$13,011Federal funds sold & reverse repurchase agreements
$775Net loans & leases
$11,041Loan loss allowance
$172Trading account assets
$0Bank premises and fixed assets
$321Other real estate owned
$0Goodwill and other intangibles
$354Life insurance assets
$0All other assets
$0Total liabilities and capital
$26,401Total liabilities
$24,026Total deposits
$23,943Interest-bearing deposits
$19,992Deposits held in domestic offices
23943.00%% insured (estimated)
$88Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$83Total equity capital
$83Total bank equity capital
$2,375Perpetual preferred stock
$0Common stock
$600Surplus
$1,400Undivided profits
Memoranda
$375Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$20Income earned, not collected on loans
$159Earning assets
$24,927Long-term assets (5+ years)
$2,982Average Assets, year-to-date
$25,637Average Assets, quarterly
$25,857Volatile liabilities
$2,120Insider loans
$90FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,260Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,318Total risk weighted assets
$12,672Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$1,833Total interest expense
$681Net interest income
$1,152Provision for loan and lease losses
$6Total noninterest income
$177Fiduciary activities
$0Service charges on deposit accounts
$107Trading account gains & fees
$0Additional noninterest income
$70Total noninterest expense
$750Salaries and employee benefits
$333Premises and equipment expense
$96Additional noninterest expense
$321Pre-tax net operating income
$573Securities gains (losses)
$17Applicable income taxes
$173Income before extraordinary items
$417Extraordinary gains - net
$0Net income attributable to bank
$417Net charge-offs
-$1Cash dividends
$414Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.63%Cost of funding earning assets
2.84%Net interest margin
4.80%Noninterest income to earning assets
0.74%Noninterest expense to earning assets
3.12%Net operating income to assets
1.58%Return on assets (ROA)
1.63%Pretax return on assets
2.30%Return on equity (ROE)
17.40%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
-0.01%Credit loss provision to net charge-offs
-600.00%Efficiency ratio
56,433Assets per employee
2.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
99.28%Loss allowance to loans
1.53%Loss allowance to noncurrent loans
860.00%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.18%Net loans and leases to deposits
46.11%Net loans and leases to core deposits
50.59%Equity capital to assets
9.00%Core capital (leverage) ratio
8.83%Tier 1 risk-based capital ratio
18.29%Total risk-based capital ratio
Memoranda
$20Average assets
$25,637Average earning assets
$2,397Average equity
$24,013Average loans

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