Teton Banks in Fairfield, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


Teton Banks - Overview

  • General
  • FDIC Certificate #: 364
    Status: Active
    Federal Reserve ID: 637750
    Bank Holding Company (Regulatory Top Holder): Teton Bancshares, Inc. (RSSDID: 1127333, Location: Fairfield, MT)
    Date Established: January 01, 1909
    WWW: http://www.tetonbanks.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13982
    FDIC's unique #: 288
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2011
    Last Structure Change Process Date: April 06, 2011
    Last Data Update: April 06, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 321 Central Avenue, Fairfield, MT 59436
    County: Teton
    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
  • Corrections
    Name Change
  • Financial Summary
  • Total assets: $194.6 mil
    Equity capital: $33.9 mil
    Deposits held in domestic offices: $156.5 mil
    Return on assets (ROA): 1.28% ($2.5 mil)
    Quarterly return on assets: 0.77% ($1.5 mil)
    Return on Equity (ROE): 7.34% ($2.5 mil)
    Quarterly return on equity: 4.37% ($1.5 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.85% ($3,599.2 mil)
    Quarterly Pretax return on assets: 1.20% ($2,334.6 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
  • 38Total employees (full-time equivalent)
  • $194,550Total assets
  • $45,545Cash and due from depository institutions
  • $40,588Interest-bearing balances
  • $34,600Securities
  • $6,552Federal funds sold & reverse repurchase agreements
  • $95,526Net loans & leases
  • $2,116Loan loss allowance
  • $0Trading account assets
  • $2,373Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $194,550Life insurance assets
  • $9,954All other assets
  • $160,681Total liabilities and capital
  • $156,494Total liabilities
  • $122,667Total deposits
  • $156,494Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,025Trading liabilities
  • $0Other borrowed funds
  • $1,162Subordinated debt
  • $33,869All other liabilities
  • $33,869Total equity capital
  • $33,869Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $4,710Surplus
  • $28,919Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,668Income earned, not collected on loans
  • $0Earning assets
  • $1,781Long-term assets (5+ years)
  • $177,266Average Assets, year-to-date
  • $48,014Average Assets, quarterly
  • $188,119Volatile liabilities
  • $190,604Insider loans
  • $122,330FHLB advances
  • $191,632Loans and leases held for sale
  • $6,616Unused loan commitments
  • $3,983Tier 1 (core) risk-based capital
  • $33,443Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,633Total unused commitments
  • $19,362Restructured Loans and leases
  • $660Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,445Total interest income
  • $1,765Total interest expense
  • $6,680Net interest income
  • $343Provision for loan and lease losses
  • $1,105Total noninterest income
  • $0Fiduciary activities
  • $560Service charges on deposit accounts
  • $0Trading account gains & fees
  • $545Additional noninterest income
  • $4,039Total noninterest expense
  • $2,259Salaries and employee benefits
  • $446Premises and equipment expense
  • $1,334Additional noninterest expense
  • $3,403Pre-tax net operating income
  • $68Securities gains (losses)
  • $1,066Applicable income taxes
  • $2,405Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,405Net income attributable to bank
  • $0Net charge-offs
  • $2,405Cash dividends
  • $465Sale, conversion, retirement of capital stock, net
  • $210Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.85%Pretax return on assets
  • 7.34%Return on equity (ROE)
  • 6.70%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 73.76%Credit loss provision to net charge-offs
  • 8.06%Efficiency ratio
  • 51,882Assets per employee
  • 5.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.73%Loss allowance to loans
  • 2.17%Loss allowance to noncurrent loans
  • 126.86%Noncurrent assets plus other real estate owned to assets
  • 0.86%Noncurrent loans to loans
  • 1.71%Net loans and leases to deposits
  • 61.04%Net loans and leases to core deposits
  • 72.54%Equity capital to assets
  • 17.41%Core capital (leverage) ratio
  • 17.45%Tier 1 risk-based capital ratio
  • 27.34%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $188,119Average earning assets
  • $32,756Average equity
  • $170,359Average loans

List of branches

  • 3 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0288Teton Banks321 Central Avenue, Fairfield, MT 59436January 01, 1909Full Service Brick and Mortar
    11438Choteau Branch201 North Main Avenue, Choteau, MT 59422January 01, 1919Full Service Brick and Mortar
    2192027Sun River Valley Branch390 Post Avenue, Vaughn, MT 59487April 11, 1996Full Service Brick and Mortar

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