United Bank in city_name, state_name - Detailed Financial Reports, Location

United Bank in Absarokee, Montana (MT)
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United Bank - Overview

General
FDIC Certificate #: 18772
Status: Active
Federal Reserve ID: 226752
Bank Holding Company (Regulatory Top Holder): Absarokee Bancorporation, Inc. (RSSDID: 1884122, Location: Absarokee, MT)
Date Established: May 06, 1963
WWW: http://www.ubsmt.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 11190
FDIC's unique #: 12635
Numeric code: 21
Regulator: FDIC
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: May 06, 1963
Last Structure Change Effective Date: December 28, 2011
Last Structure Change Process Date: January 10, 2012
Last Data Update: January 10, 2012
Data Source Date: April 05, 2012
Location
Address: 3 South Woodard, Absarokee, MT 59001
County: Stillwater
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
Name Change
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial Summary
Total assets: $69.2 mil
Equity capital: $7.1 mil
Deposits held in domestic offices: $57.3 mil
Return on assets (ROA): 0.34% ($0.2 mil)
Quarterly return on assets: 0.37% ($0.3 mil)
Return on Equity (ROE): 3.37% ($0.2 mil)
Quarterly return on equity: 3.68% ($0.3 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.52% ($359.7 mil)
Quarterly Pretax return on assets: 0.57% ($394.3 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
22Total employees (full-time equivalent)
$69,179Total assets
$4,256Cash and due from depository institutions
$2,854Interest-bearing balances
$28,712Securities
$1,293Federal funds sold & reverse repurchase agreements
$29,831Net loans & leases
$900Loan loss allowance
$0Trading account assets
$3,472Bank premises and fixed assets
$220Other real estate owned
$0Goodwill and other intangibles
$69,179Life insurance assets
$1,395All other assets
$62,100Total liabilities and capital
$57,311Total liabilities
$48,880Total deposits
$57,311Interest-bearing deposits
$92Deposits held in domestic offices
2000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,517Trading liabilities
$0Other borrowed funds
$272Subordinated debt
$7,079All other liabilities
$7,079Total equity capital
$7,079Total bank equity capital
$0Perpetual preferred stock
$1,620Common stock
$759Surplus
$4,700Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$185Income earned, not collected on loans
$0Earning assets
$554Long-term assets (5+ years)
$62,690Average Assets, year-to-date
$1,936Average Assets, quarterly
$69,977Volatile liabilities
$69,638Insider loans
$39,678FHLB advances
$69,853Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,995Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,384Restructured Loans and leases
$212Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,708Total interest income
$448Total interest expense
$2,260Net interest income
$6Provision for loan and lease losses
$342Total noninterest income
$0Fiduciary activities
$130Service charges on deposit accounts
$0Trading account gains & fees
$212Additional noninterest income
$2,277Total noninterest expense
$953Salaries and employee benefits
$440Premises and equipment expense
$884Additional noninterest expense
$319Pre-tax net operating income
$42Securities gains (losses)
$126Applicable income taxes
$235Income before extraordinary items
$0Extraordinary gains - net
$235Net income attributable to bank
$0Net charge-offs
$235Cash dividends
$107Sale, conversion, retirement of capital stock, net
$71Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.30%Yield on earning assets
0.71%Cost of funding earning assets
3.59%Net interest margin
0.54%Noninterest income to earning assets
3.62%Noninterest expense to earning assets
0.30%Net operating income to assets
0.34%Return on assets (ROA)
0.52%Pretax return on assets
3.37%Return on equity (ROE)
2.35%Retained earnings to average equity (YTD only)
0.32%Net charge-offs to loans
5.61%Credit loss provision to net charge-offs
3.04%Efficiency ratio
87,510Assets per employee
3.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
30.21%Loss allowance to loans
2.93%Loss allowance to noncurrent loans
486.49%Noncurrent assets plus other real estate owned to assets
0.59%Noncurrent loans to loans
0.60%Net loans and leases to deposits
52.05%Net loans and leases to core deposits
54.35%Equity capital to assets
10.23%Core capital (leverage) ratio
10.01%Tier 1 risk-based capital ratio
17.63%Total risk-based capital ratio
Memoranda
$19Average assets
$69,977Average earning assets
$6,977Average equity
$62,916Average loans

List of branches

3 Montana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	12635	United Bank	3 South Woodard, Absarokee, MT 59001	May 06, 1963	Full Service Brick and Mortar
1	57032	36 North 9th Street Branch	36 North 9th Street, Columbus, MT 59019	May 12, 1995	Full Service Brick and Mortar
2	465525	401 Se 4th Street Branch	401 Se 4th Street, P.O. Box 457, Laurel, MT 59044	June 18, 2007	Full Service Brick and Mortar

United Bank in Absarokee, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

United Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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United Bank in Absarokee, Montana (MT)Overview, Financial Summary, Detailed Financial Reports, Branches

United Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

United Bank in Absarokee, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches