FDIC Certificate #: 20522 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Community Bank (#2176) Federal Reserve ID: 227254 Date Established: October 13, 1971 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 14162 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: October 13, 1971 Last Structure Change Effective Date: September 01, 1998 Last Structure Change Process Date: October 05, 1998 Last Data Update: October 05, 1998 Data Source Date: April 05, 2012
Location
Address: Custer And Main, Ashland, MT 59003 County: Rosebud 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
Financial Summary
Total assets: $11.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
4Total employees (full-time equivalent)
$6,533Total assets
$852Cash and due from depository institutions
$95Interest-bearing balances
$1,473Securities
$1,210Federal funds sold & reverse repurchase agreements
$2,891Net loans & leases
$36Loan loss allowance
$0Trading account assets
$53Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$54All other assets
$6,533Total liabilities and capital
$5,948Total liabilities
$5,853Total deposits
$3,909Interest-bearing deposits
$5,853Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$95All other liabilities
$585Total equity capital
$585Total bank equity capital
$585Perpetual preferred stock
$0Common stock
$160Surplus
$340Undivided profits
Memoranda
$85Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$482Earning assets
$0Long-term assets (5+ years)
$23Average Assets, year-to-date
$5,669Average Assets, quarterly
$868Volatile liabilities
$6,916Insider loans
$6,518FHLB advances
$300Loans and leases held for sale
$158Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$300Total unused commitments
$0Restructured Loans and leases
$3,193Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$455Total interest income
$168Total interest expense
$287Net interest income
$5Provision for loan and lease losses
$93Total noninterest income
$0Fiduciary activities
$78Service charges on deposit accounts
$0Trading account gains & fees
$15Additional noninterest income
$296Total noninterest expense
$140Salaries and employee benefits
$27Premises and equipment expense
$129Additional noninterest expense
$79Pre-tax net operating income
$0Securities gains (losses)
$19Applicable income taxes
$60Income before extraordinary items
$0Extraordinary gains - net
$60Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$7Sale, conversion, retirement of capital stock, net
$60Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.43%Yield on earning assets
2.75%Cost of funding earning assets
4.69%Net interest margin
1.52%Noninterest income to earning assets
4.84%Noninterest expense to earning assets
0.87%Net operating income to assets
0.87%Return on assets (ROA)
1.14%Pretax return on assets
9.94%Return on equity (ROE)
0.00%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
71.43%Credit loss provision to net charge-offs
12.00%Efficiency ratio
77,895Assets per employee
1.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
100.00%Loss allowance to loans
1.23%Loss allowance to noncurrent loans
7.47%Noncurrent assets plus other real estate owned to assets
7.38%Noncurrent loans to loans
16.47%Net loans and leases to deposits
49.39%Net loans and leases to core deposits
52.06%Equity capital to assets
8.95%Core capital (leverage) ratio
8.65%Tier 1 risk-based capital ratio
18.32%Total risk-based capital ratio
Memoranda
$19Average assets
$6,916Average earning assets
$604Average equity
$6,120Average loans
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