Ruby Valley National Bank in Twin Bridges, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Ruby Valley National Bank in Twin Bridges, Montana (MT)
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Ruby Valley National Bank - Overview

  • General
  • FDIC Certificate #: 2203
    Status: Active
    Federal Reserve ID: 566551
    Bank Holding Company (Regulatory Top Holder): Twinco, Inc. (RSSDID: 1128059, Location: Twin Bridges, MT)
    Date Established: January 01, 1917
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 13678
    FDIC's unique #: 1460
    Numeric code: 3
    Regulator: OCC
    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: No
    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: 107 South Main Street, Twin Bridges, MT 59754
    County: Madison
    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: $79.3 mil
    Equity capital: $10.8 mil
    Deposits held in domestic offices: $68.3 mil
    Return on assets (ROA): 2.38% ($1.9 mil)
    Quarterly return on assets: 1.71% ($1.4 mil)
    Return on Equity (ROE): 17.45% ($1.9 mil)
    Quarterly return on equity: 12.37% ($1.4 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.38% ($1,887.0 mil)
    Quarterly Pretax return on assets: 1.71% ($1,355.8 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
  • 19Total employees (full-time equivalent)
  • $79,284Total assets
  • $7,205Cash and due from depository institutions
  • $5,787Interest-bearing balances
  • $11,743Securities
  • $3,200Federal funds sold & reverse repurchase agreements
  • $54,035Net loans & leases
  • $964Loan loss allowance
  • $0Trading account assets
  • $1,460Bank premises and fixed assets
  • $145Other real estate owned
  • $0Goodwill and other intangibles
  • $79,284Life insurance assets
  • $1,496All other assets
  • $68,446Total liabilities and capital
  • $68,314Total liabilities
  • $54,296Total deposits
  • $68,314Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $132Subordinated debt
  • $10,838All other liabilities
  • $10,838Total equity capital
  • $10,838Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $500Surplus
  • $9,838Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,419Income earned, not collected on loans
  • $0Earning assets
  • $896Long-term assets (5+ years)
  • $74,765Average Assets, year-to-date
  • $15,562Average Assets, quarterly
  • $76,794Volatile liabilities
  • $78,517Insider loans
  • $57,538FHLB advances
  • $79,832Loans and leases held for sale
  • $133Unused loan commitments
  • $133Tier 1 (core) risk-based capital
  • $10,643Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,199Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,586Total interest income
  • $457Total interest expense
  • $4,129Net interest income
  • $385Provision for loan and lease losses
  • $285Total noninterest income
  • $0Fiduciary activities
  • $152Service charges on deposit accounts
  • $0Trading account gains & fees
  • $133Additional noninterest income
  • $2,201Total noninterest expense
  • $1,233Salaries and employee benefits
  • $270Premises and equipment expense
  • $698Additional noninterest expense
  • $1,828Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,828Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,828Net income attributable to bank
  • $0Net charge-offs
  • $1,828Cash dividends
  • $573Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.34%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 5.71%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 2.38%Net operating income to assets
  • 2.38%Return on assets (ROA)
  • 2.38%Pretax return on assets
  • 17.45%Return on equity (ROE)
  • 7.91%Retained earnings to average equity (YTD only)
  • 1.01%Net charge-offs to loans
  • 67.19%Credit loss provision to net charge-offs
  • 3.86%Efficiency ratio
  • 49,864Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.70%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 67.94%Noncurrent assets plus other real estate owned to assets
  • 1.97%Noncurrent loans to loans
  • 2.58%Net loans and leases to deposits
  • 79.10%Net loans and leases to core deposits
  • 86.20%Equity capital to assets
  • 13.67%Core capital (leverage) ratio
  • 13.33%Tier 1 risk-based capital ratio
  • 18.50%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $76,794Average earning assets
  • $10,474Average equity
  • $72,288Average loans

List of branches

  • 2 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01460Ruby Valley National Bank107 South Main Street, Twin Bridges, MT 59754January 01, 1917Full Service Brick and Mortar
    17565Sheridan Office Branch103 North Main Street, Sheridan, MT 59749December 30, 1930Full Service Brick and Mortar

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