Citizens' State Bank in Hamilton, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 27, 2007

Citizens' State Bank in Hamilton, Montana (MT)
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Citizens' State Bank - Overview

General
FDIC Certificate #: 8311
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Security Bank of Missoula (#21010)
Federal Reserve ID: 605058
Date Established: April 05, 1905
WWW: http://www.csbmt.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 11353
FDIC's unique #: 5304
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 27, 2007
Last Structure Change Process Date: Febuary 22, 2007
Last Data Update: Febuary 22, 2007
Data Source Date: April 05, 2012
Location
Address: First And Main Streets, Hamilton, MT 59840
County: Ravalli
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: $82.7 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, 2006)

Dollar figures in thousands
24Total employees (full-time equivalent)
$82,668Total assets
$3,296Cash and due from depository institutions
$0Interest-bearing balances
$738Securities
$18,099Federal funds sold & reverse repurchase agreements
$49,145Net loans & leases
$752Loan loss allowance
$0Trading account assets
$2,290Bank premises and fixed assets
$308Other real estate owned
$7,862Goodwill and other intangibles
$0Life insurance assets
$930All other assets
$82,668Total liabilities and capital
$69,805Total liabilities
$67,523Total deposits
$56,435Interest-bearing deposits
$67,523Deposits held in domestic offices
0.00%% insured (estimated)
$67Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,300Other borrowed funds
$0Subordinated debt
$915All other liabilities
$12,863Total equity capital
$12,863Total bank equity capital
$12,863Perpetual preferred stock
$0Common stock
$800Surplus
$11,758Undivided profits
Memoranda
$305Noncurrent loans and leases
$9,298Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2Earning assets
$0Long-term assets (5+ years)
$331Average Assets, year-to-date
$67,982Average Assets, quarterly
$9,416Volatile liabilities
$74,999Insider loans
$78,909FHLB advances
$6,094Loans and leases held for sale
$1,346Unused loan commitments
$1,300Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$9,298Total unused commitments
$0Restructured Loans and leases
$656Derivatives

Income and Expense (December 31, 2006)

Dollar figures in thousands
$1,319Total interest income
$344Total interest expense
$975Net interest income
$0Provision for loan and lease losses
$61Total noninterest income
$0Fiduciary activities
$40Service charges on deposit accounts
$0Trading account gains & fees
$21Additional noninterest income
$537Total noninterest expense
$249Salaries and employee benefits
$92Premises and equipment expense
$196Additional noninterest expense
$499Pre-tax net operating income
$0Securities gains (losses)
$193Applicable income taxes
$306Income before extraordinary items
$0Extraordinary gains - net
$306Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$2Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2006)

Dollar figures in thousands
Performance Ratios (%, annualized)
1.96%Yield on earning assets
0.51%Cost of funding earning assets
1.45%Net interest margin
0.09%Noninterest income to earning assets
0.80%Noninterest expense to earning assets
0.41%Net operating income to assets
0.41%Return on assets (ROA)
0.67%Pretax return on assets
4.22%Return on equity (ROE)
4.22%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
51,834Assets per employee
3.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.51%Loss allowance to noncurrent loans
37600.00%Noncurrent assets plus other real estate owned to assets
0.37%Noncurrent loans to loans
0.00%Net loans and leases to deposits
72.78%Net loans and leases to core deposits
79.92%Equity capital to assets
15.56%Core capital (leverage) ratio
7.04%Tier 1 risk-based capital ratio
9.56%Total risk-based capital ratio
Memoranda
$11Average assets
$74,999Average earning assets
$7,253Average equity
$67,170Average loans

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