Treasure State Bank in Missoula, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Treasure State Bank in Missoula, Montana (MT)
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Treasure State Bank - Overview

  • General
  • FDIC Certificate #: 58454
    Status: Active
    Federal Reserve ID: 3529650
    Date Established: January 03, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 452183
    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: January 03, 2007
    Last Structure Change Effective Date: March 10, 2010
    Last Structure Change Process Date: March 10, 2010
    Last Data Update: March 10, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 3660 Mullan Road, Missoula, MT 59808
    County: Missoula
    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): Missoula, MT (#5140)
    Core Based Statistical Area (CBSA): Missoula, MT (#33540)
    CBSA Metro Statistical Area: Missoula, MT (#33540)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $76.7 mil
    Equity capital: $5.6 mil
    Deposits held in domestic offices: $66.6 mil
    Return on assets (ROA): 0.47% ($0.4 mil)
    Quarterly return on assets: 0.18% ($0.1 mil)
    Return on Equity (ROE): 6.65% ($0.4 mil)
    Quarterly return on equity: 2.42% ($0.1 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.47% ($360.5 mil)
    Quarterly Pretax return on assets: 0.18% ($138.1 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
  • 14Total employees (full-time equivalent)
  • $76,708Total assets
  • $16,664Cash and due from depository institutions
  • $12,621Interest-bearing balances
  • $2,267Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $48,539Net loans & leases
  • $2,025Loan loss allowance
  • $0Trading account assets
  • $4,505Bank premises and fixed assets
  • $3,762Other real estate owned
  • $0Goodwill and other intangibles
  • $76,708Life insurance assets
  • $971All other assets
  • $71,059Total liabilities and capital
  • $66,593Total liabilities
  • $61,048Total deposits
  • $66,593Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,295Trading liabilities
  • $0Other borrowed funds
  • $171Subordinated debt
  • $5,649All other liabilities
  • $5,649Total equity capital
  • $5,649Total bank equity capital
  • $0Perpetual preferred stock
  • $16Common stock
  • $12,105Surplus
  • $-6,472Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,799Income earned, not collected on loans
  • $0Earning assets
  • $187Long-term assets (5+ years)
  • $63,427Average Assets, year-to-date
  • $1,984Average Assets, quarterly
  • $78,345Volatile liabilities
  • $76,588Insider loans
  • $57,743FHLB advances
  • $75,038Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,646Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,494Restructured Loans and leases
  • $1,548Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,782Total interest income
  • $1,108Total interest expense
  • $2,674Net interest income
  • $249Provision for loan and lease losses
  • $207Total noninterest income
  • $0Fiduciary activities
  • $55Service charges on deposit accounts
  • $0Trading account gains & fees
  • $152Additional noninterest income
  • $2,267Total noninterest expense
  • $901Salaries and employee benefits
  • $323Premises and equipment expense
  • $1,043Additional noninterest expense
  • $365Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $365Income before extraordinary items
  • $0Extraordinary gains - net
  • $365Net income attributable to bank
  • $0Net charge-offs
  • $365Cash dividends
  • $804Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.78%Yield on earning assets
  • 1.69%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 3.47%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.47%Pretax return on assets
  • 6.65%Return on equity (ROE)
  • 6.65%Retained earnings to average equity (YTD only)
  • 1.49%Net charge-offs to loans
  • 30.97%Credit loss provision to net charge-offs
  • 0.76%Efficiency ratio
  • 78,688Assets per employee
  • 5.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.00%Loss allowance to noncurrent loans
  • 42.20%Noncurrent assets plus other real estate owned to assets
  • 11.16%Noncurrent loans to loans
  • 9.49%Net loans and leases to deposits
  • 72.89%Net loans and leases to core deposits
  • 75.64%Equity capital to assets
  • 7.36%Core capital (leverage) ratio
  • 7.52%Tier 1 risk-based capital ratio
  • 9.78%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $78,345Average earning assets
  • $5,493Average equity
  • $65,380Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0452183Treasure State Bank3660 Mullan Road, Missoula, MT 59808January 03, 2007Full Service Brick and Mortar

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