FDIC Certificate #: 11822 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Community Bank (#2176) Federal Reserve ID: 599054 Date Established: August 11, 1911 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 7563 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: January 01, 1934 Last Structure Change Effective Date: March 29, 1999 Last Structure Change Process Date: May 06, 1999 Last Data Update: May 06, 1999 Data Source Date: April 05, 2012
Location
Address: 109 Main Street, Froid, MT 59226 County: Roosevelt 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: $12.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
5Total employees (full-time equivalent)
$12,464Total assets
$1,561Cash and due from depository institutions
$1,136Interest-bearing balances
$1,349Securities
$5,300Federal funds sold & reverse repurchase agreements
$3,920Net loans & leases
$47Loan loss allowance
$0Trading account assets
$62Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$272All other assets
$12,464Total liabilities and capital
$11,222Total liabilities
$11,081Total deposits
$9,472Interest-bearing deposits
$11,081Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$141All other liabilities
$1,242Total equity capital
$1,242Total bank equity capital
$1,242Perpetual preferred stock
$0Common stock
$390Surplus
$410Undivided profits
Memoranda
$442Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$11Earning assets
$0Long-term assets (5+ years)
$152Average Assets, year-to-date
$11,705Average Assets, quarterly
$2,183Volatile liabilities
$12,220Insider loans
$12,367FHLB advances
$1,030Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$547Total unused commitments
$0Restructured Loans and leases
$5,673Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$870Total interest income
$380Total interest expense
$490Net interest income
$0Provision for loan and lease losses
$27Total noninterest income
$0Fiduciary activities
$14Service charges on deposit accounts
$0Trading account gains & fees
$13Additional noninterest income
$506Total noninterest expense
$312Salaries and employee benefits
$20Premises and equipment expense
$174Additional noninterest expense
$11Pre-tax net operating income
$0Securities gains (losses)
$4Applicable income taxes
$7Income before extraordinary items
$0Extraordinary gains - net
$7Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$3Sale, conversion, retirement of capital stock, net
$200Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.67%Yield on earning assets
3.35%Cost of funding earning assets
4.32%Net interest margin
0.24%Noninterest income to earning assets
4.46%Noninterest expense to earning assets
0.06%Net operating income to assets
0.06%Return on assets (ROA)
0.09%Pretax return on assets
0.49%Return on equity (ROE)
-13.55%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
3.67%Efficiency ratio
97,872Assets per employee
2.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
2857.14%Loss allowance to loans
1.18%Loss allowance to noncurrent loans
427.27%Noncurrent assets plus other real estate owned to assets
0.09%Noncurrent loans to loans
0.28%Net loans and leases to deposits
35.38%Net loans and leases to core deposits
39.00%Equity capital to assets
9.96%Core capital (leverage) ratio
9.74%Tier 1 risk-based capital ratio
21.65%Total risk-based capital ratio
Memoranda
$22Average assets
$12,220Average earning assets
$1,425Average equity
$11,346Average loans
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