FDIC Certificate #: 58454 Status: Active Federal Reserve ID: 3529650 Date Established: January 03, 2007 WWW:http://www.treasurestatebank.com 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
No
ID
Name
Address
Established
Service Type
Map
0
452183
Treasure State Bank
3660 Mullan Road, Missoula, MT 59808
January 03, 2007
Full Service Brick and Mortar
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