Three Rivers Bank of Montana in Kalispell, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

Three Rivers Bank of Montana - Overview

  • General
  • FDIC Certificate #: 21557
    Status: Active
    Federal Reserve ID: 610557
    Bank Holding Company (Regulatory Top Holder): Great Northern Bancshares, Inc. (RSSDID: 1138366, Location: Kalispell, MT)
    Date Established: May 01, 1974
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11267
    FDIC's unique #: 14911
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 01, 1974
    Last Structure Change Effective Date: August 28, 2009
    Last Structure Change Process Date: August 28, 2009
    Last Data Update: August 28, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 233 East Idaho, Kalispell, MT 59901
    County: Flathead
    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
    Core Based Statistical Area (CBSA): Kalispell, MT (#28060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $115.4 mil
    Equity capital: $13.2 mil
    Deposits held in domestic offices: $98.1 mil
    Return on assets (ROA): 0.66% ($0.8 mil)
    Quarterly return on assets: 0.15% ($0.2 mil)
    Return on Equity (ROE): 5.75% ($0.7 mil)
    Quarterly return on equity: 1.27% ($0.2 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.83% ($957.8 mil)
    Quarterly Pretax return on assets: 0.05% ($57.7 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
  • 35Total employees (full-time equivalent)
  • $115,398Total assets
  • $9,432Cash and due from depository institutions
  • $5,842Interest-bearing balances
  • $36,000Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $65,260Net loans & leases
  • $1,282Loan loss allowance
  • $0Trading account assets
  • $1,744Bank premises and fixed assets
  • $393Other real estate owned
  • $0Goodwill and other intangibles
  • $115,398Life insurance assets
  • $2,569All other assets
  • $102,186Total liabilities and capital
  • $98,116Total liabilities
  • $72,413Total deposits
  • $98,116Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 2815.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $710Trading liabilities
  • $0Other borrowed funds
  • $545Subordinated debt
  • $13,212All other liabilities
  • $13,212Total equity capital
  • $13,212Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $7,500Surplus
  • $4,712Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $795Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,096Income earned, not collected on loans
  • $0Earning assets
  • $574Long-term assets (5+ years)
  • $107,102Average Assets, year-to-date
  • $36,652Average Assets, quarterly
  • $110,690Volatile liabilities
  • $113,732Insider loans
  • $67,741FHLB advances
  • $114,967Loans and leases held for sale
  • $727Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,814Tier 2 risk-based capital
  • $727Total risk weighted assets
  • $0Total unused commitments
  • $18,628Restructured Loans and leases
  • $1,357Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,490Total interest income
  • $963Total interest expense
  • $4,527Net interest income
  • $634Provision for loan and lease losses
  • $1,074Total noninterest income
  • $0Fiduciary activities
  • $126Service charges on deposit accounts
  • $0Trading account gains & fees
  • $948Additional noninterest income
  • $4,132Total noninterest expense
  • $2,081Salaries and employee benefits
  • $407Premises and equipment expense
  • $1,644Additional noninterest expense
  • $835Pre-tax net operating income
  • $86Securities gains (losses)
  • $191Applicable income taxes
  • $730Income before extraordinary items
  • $0Extraordinary gains - net
  • $730Net income attributable to bank
  • $0Net charge-offs
  • $730Cash dividends
  • $553Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.38%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 4.00%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 5.75%Return on equity (ROE)
  • 4.96%Retained earnings to average equity (YTD only)
  • 0.83%Net charge-offs to loans
  • 114.65%Credit loss provision to net charge-offs
  • 2.66%Efficiency ratio
  • 73,773Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.70%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 116.97%Noncurrent assets plus other real estate owned to assets
  • 1.29%Noncurrent loans to loans
  • 1.65%Net loans and leases to deposits
  • 66.51%Net loans and leases to core deposits
  • 74.72%Equity capital to assets
  • 11.45%Core capital (leverage) ratio
  • 11.15%Tier 1 risk-based capital ratio
  • 18.92%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $110,690Average earning assets
  • $12,696Average equity
  • $103,395Average loans

List of branches

  • 2 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014911Three Rivers Bank Of Montana233 East Idaho, Kalispell, MT 59901May 01, 1974Full Service Brick and Mortar
    1253043North Meridian Branch552 North Meridian Road, Kalispell, MT 59901July 01, 1999Full Service Brick and Mortar

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