The Yellowstone Bank in Laurel, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Yellowstone Bank - Overview

  • General
  • FDIC Certificate #: 1978
    Status: Active
    Federal Reserve ID: 680457
    Bank Holding Company (Regulatory Top Holder): Yellowstone Holding Company (RSSDID: 1124921, Location: Columbus, MT)
    Date Established: May 26, 1926
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 12067
    FDIC's unique #: 1330
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending 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: 12 First Avenue, Laurel, MT 59044
    County: Yellowstone
    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): Billings, MT (#880)
    Core Based Statistical Area (CBSA): Billings, MT (#13740)
    CBSA Metro Statistical Area: Billings, MT (#13740)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $437.3 mil
    Equity capital: $77.8 mil
    Deposits held in domestic offices: $347.2 mil
    Return on assets (ROA): 1.97% ($8.6 mil)
    Quarterly return on assets: 0.65% ($2.8 mil)
    Return on Equity (ROE): 10.94% ($8.5 mil)
    Quarterly return on equity: 3.66% ($2.9 mil)
    Net income: $8.5 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.97% ($8,614.9 mil)
    Quarterly Pretax return on assets: 0.65% ($2,842.5 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
  • 78Total employees (full-time equivalent)
  • $437,304Total assets
  • $80,686Cash and due from depository institutions
  • $70,686Interest-bearing balances
  • $31,294Securities
  • $1,090Federal funds sold & reverse repurchase agreements
  • $296,735Net loans & leases
  • $2,338Loan loss allowance
  • $0Trading account assets
  • $7,466Bank premises and fixed assets
  • $6,364Other real estate owned
  • $0Goodwill and other intangibles
  • $437,304Life insurance assets
  • $13,669All other assets
  • $359,468Total liabilities and capital
  • $347,186Total liabilities
  • $258,599Total deposits
  • $347,186Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 8520.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $262Subordinated debt
  • $77,836All other liabilities
  • $77,836Total equity capital
  • $77,836Total bank equity capital
  • $0Perpetual preferred stock
  • $3,500Common stock
  • $36,500Surplus
  • $37,836Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $6,377Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,310Income earned, not collected on loans
  • $0Earning assets
  • $1,662Long-term assets (5+ years)
  • $399,805Average Assets, year-to-date
  • $28,769Average Assets, quarterly
  • $431,714Volatile liabilities
  • $435,350Insider loans
  • $316,041FHLB advances
  • $434,282Loans and leases held for sale
  • $8,752Unused loan commitments
  • $8,752Tier 1 (core) risk-based capital
  • $77,836Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,236Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,551Total interest income
  • $1,915Total interest expense
  • $17,636Net interest income
  • $1,500Provision for loan and lease losses
  • $757Total noninterest income
  • $0Fiduciary activities
  • $1,631Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$874Additional noninterest income
  • $8,380Total noninterest expense
  • $5,162Salaries and employee benefits
  • $1,009Premises and equipment expense
  • $2,209Additional noninterest expense
  • $8,513Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $8,513Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,513Net income attributable to bank
  • $0Net charge-offs
  • $8,513Cash dividends
  • $3,293Sale, conversion, retirement of capital stock, net
  • $7,625Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 4.48%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 2.13%Noninterest expense to earning assets
  • 1.97%Net operating income to assets
  • 1.97%Return on assets (ROA)
  • 1.97%Pretax return on assets
  • 10.94%Return on equity (ROE)
  • 1.14%Retained earnings to average equity (YTD only)
  • 1.15%Net charge-offs to loans
  • 45.55%Credit loss provision to net charge-offs
  • 3.04%Efficiency ratio
  • 45,561Assets per employee
  • 5.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 89.57%Loss allowance to loans
  • 0.78%Loss allowance to noncurrent loans
  • 31.98%Noncurrent assets plus other real estate owned to assets
  • 3.13%Noncurrent loans to loans
  • 2.44%Net loans and leases to deposits
  • 85.47%Net loans and leases to core deposits
  • 87.23%Equity capital to assets
  • 17.80%Core capital (leverage) ratio
  • 17.92%Tier 1 risk-based capital ratio
  • 24.63%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $431,714Average earning assets
  • $77,846Average equity
  • $393,946Average loans

List of branches

  • 8 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01330The Yellowstone Bank12 First Avenue, Laurel, MT 59044May 26, 1926Full Service Brick and Mortar
    1190480Drive-In12 First Street, Laurel, MT 59044March 20, 1972Limited Service Facility
    31268431 Grove Street Branch31 Grove Street, Absarokee, MT 59001April 15, 1963Full Service Brick and Mortar
    4330662000 Overland Avenue Branch2000 Overland Avenue, Billings, MT 59102November 04, 1985Full Service Brick and Mortar
    5754544 Pike Avenue Branch544 Pike Avenue, Columbus, MT 59019January 01, 1907Full Service Brick and Mortar
    6190481Billings - Downtown Branch3010 3rd Avenue North, Billings, MT 59101March 10, 1998Full Service Brick and Mortar
    7419814Billings - Shiloh Branch1511 Shiloh, Billings, MT 59106March 24, 2003Full Service Brick and Mortar
    8479073Bozeman Branch1276 N 15 Ave Suite #102, Bozeman, MT 59715April 13, 2007Full Service Brick and Mortar

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