The First State Bank of Malta in Malta, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The First State Bank of Malta in Malta, Montana (MT)
  • Show street view No street view available for this location

The First State Bank of Malta - Overview

  • General
  • FDIC Certificate #: 1982
    Status: Active
    Federal Reserve ID: 615253
    Bank Holding Company (Regulatory Top Holder): Fs Banco, Inc. (RSSDID: 1857171, Location: Malta, MT)
    Date Established: March 04, 1903
    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 #: 1334
    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: May 27, 2010
    Last Structure Change Process Date: May 27, 2010
    Last Data Update: May 27, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1 South 1st Street East, Malta, MT 59538
    County: Phillips
    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
  • Change in Location
  • Financial Summary
  • Total assets: $126.2 mil
    Equity capital: $18.0 mil
    Deposits held in domestic offices: $107.0 mil
    Return on assets (ROA): 1.17% ($1.5 mil)
    Quarterly return on assets: 0.54% ($0.7 mil)
    Return on Equity (ROE): 7.96% ($1.4 mil)
    Quarterly return on equity: 3.66% ($0.7 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.62% ($2,044.4 mil)
    Quarterly Pretax return on assets: 0.95% ($1,198.9 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)
  • $126,198Total assets
  • $19,942Cash and due from depository institutions
  • $19,274Interest-bearing balances
  • $56,305Securities
  • $1,550Federal funds sold & reverse repurchase agreements
  • $46,729Net loans & leases
  • $996Loan loss allowance
  • $0Trading account assets
  • $42Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $126,197Life insurance assets
  • $1,630All other assets
  • $108,197Total liabilities and capital
  • $107,001Total liabilities
  • $84,094Total deposits
  • $107,001Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,196Subordinated debt
  • $18,000All other liabilities
  • $18,000Total equity capital
  • $18,000Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $6,500Surplus
  • $10,500Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,980Income earned, not collected on loans
  • $0Earning assets
  • $1,237Long-term assets (5+ years)
  • $123,858Average Assets, year-to-date
  • $58,502Average Assets, quarterly
  • $119,905Volatile liabilities
  • $122,615Insider loans
  • $62,086FHLB advances
  • $124,781Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,040Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,465Restructured Loans and leases
  • $1,943Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,027Total interest income
  • $991Total interest expense
  • $4,036Net interest income
  • $545Provision for loan and lease losses
  • $321Total noninterest income
  • $0Fiduciary activities
  • $148Service charges on deposit accounts
  • $0Trading account gains & fees
  • $173Additional noninterest income
  • $1,872Total noninterest expense
  • $1,039Salaries and employee benefits
  • $119Premises and equipment expense
  • $714Additional noninterest expense
  • $1,940Pre-tax net operating income
  • $0Securities gains (losses)
  • $537Applicable income taxes
  • $1,403Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,403Net income attributable to bank
  • $0Net charge-offs
  • $1,403Cash dividends
  • $973Sale, conversion, retirement of capital stock, net
  • $800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.29%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 1.60%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.62%Pretax return on assets
  • 7.96%Return on equity (ROE)
  • 3.42%Retained earnings to average equity (YTD only)
  • 1.94%Net charge-offs to loans
  • 56.01%Credit loss provision to net charge-offs
  • 2.55%Efficiency ratio
  • 42,965Assets per employee
  • 6.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.02%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 50.30%Noncurrent assets plus other real estate owned to assets
  • 1.57%Noncurrent loans to loans
  • 4.15%Net loans and leases to deposits
  • 43.67%Net loans and leases to core deposits
  • 46.19%Equity capital to assets
  • 14.26%Core capital (leverage) ratio
  • 13.66%Tier 1 risk-based capital ratio
  • 27.45%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $119,905Average earning assets
  • $17,624Average equity
  • $117,239Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01334The First State Bank Of Malta1 South 1st Street East, Malta, MT 59538March 04, 1903Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The First State Bank of Malta.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents