Stockmens Bank in Cascade, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Stockmens Bank in Cascade, Montana (MT)
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Stockmens Bank - Overview

  • General
  • FDIC Certificate #: 358
    Status: Active
    Federal Reserve ID: 667252
    Date Established: January 01, 1917
    WWW: http://www.stockmensbank.biz
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 283
    Numeric code: 13
    Regulator: FED
    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: Yes
    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: 117 Central Avenue, Cascade, MT 59421
    County: Cascade
    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
    Metropolitan Statistical Area (MSA): Great Falls, MT (#3040)
    Core Based Statistical Area (CBSA): Great Falls, MT (#24500)
    CBSA Metro Statistical Area: Great Falls, MT (#24500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $30.0 mil
    Equity capital: $3.7 mil
    Deposits held in domestic offices: $26.2 mil
    Return on assets (ROA): 0.74% ($0.2 mil)
    Quarterly return on assets: 0.84% ($0.3 mil)
    Return on Equity (ROE): 5.98% ($0.2 mil)
    Quarterly return on equity: 6.85% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.74% ($221.7 mil)
    Quarterly Pretax return on assets: 0.84% ($251.6 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
  • 10Total employees (full-time equivalent)
  • $29,953Total assets
  • $13,054Cash and due from depository institutions
  • $11,975Interest-bearing balances
  • $4,855Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $11,610Net loans & leases
  • $227Loan loss allowance
  • $0Trading account assets
  • $68Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $29,953Life insurance assets
  • $366All other assets
  • $26,260Total liabilities and capital
  • $26,223Total liabilities
  • $22,546Total deposits
  • $26,223Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $37Subordinated debt
  • $3,693All other liabilities
  • $3,693Total equity capital
  • $3,693Total bank equity capital
  • $0Perpetual preferred stock
  • $299Common stock
  • $1,701Surplus
  • $1,693Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $227Income earned, not collected on loans
  • $0Earning assets
  • $182Long-term assets (5+ years)
  • $28,440Average Assets, year-to-date
  • $7,761Average Assets, quarterly
  • $29,301Volatile liabilities
  • $30,019Insider loans
  • $19,465FHLB advances
  • $30,920Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,712Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $888Restructured Loans and leases
  • $340Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,362Total interest income
  • $309Total interest expense
  • $1,053Net interest income
  • $3Provision for loan and lease losses
  • $50Total noninterest income
  • $0Fiduciary activities
  • $37Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13Additional noninterest income
  • $901Total noninterest expense
  • $599Salaries and employee benefits
  • $66Premises and equipment expense
  • $236Additional noninterest expense
  • $199Pre-tax net operating income
  • $19Securities gains (losses)
  • $0Applicable income taxes
  • $218Income before extraordinary items
  • $0Extraordinary gains - net
  • $218Net income attributable to bank
  • $0Net charge-offs
  • $218Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $114Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 1.11%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 5.98%Return on equity (ROE)
  • 2.85%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 75.00%Credit loss provision to net charge-offs
  • 50.50%Efficiency ratio
  • 81,686Assets per employee
  • 3.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.29%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 100.00%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 1.92%Net loans and leases to deposits
  • 44.27%Net loans and leases to core deposits
  • 44.72%Equity capital to assets
  • 12.33%Core capital (leverage) ratio
  • 12.01%Tier 1 risk-based capital ratio
  • 19.07%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $29,301Average earning assets
  • $3,647Average equity
  • $27,907Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0283Stockmens Bank117 Central Avenue, Cascade, MT 59421January 01, 1917Full Service Brick and Mortar

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