FDIC Certificate #: 2201 Status: Active Federal Reserve ID: 655651 Bank Holding Company (Regulatory Top Holder): Treasure Bancorp, Inc. (RSSDID: 1139943, Location: Plentywood, MT) Date Established: May 25, 1917 WWW:http://www.montanastatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1458 Numeric code: 13 Regulator: FED 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: Main And Third Avenue, Plentywood, MT 59254 County: Sheridan 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $72.4 mil Equity capital: $5.7 mil Deposits held in domestic offices: $65.6 mil Return on assets (ROA): 1.07% ($0.8 mil) Quarterly return on assets: 0.86% ($0.6 mil) Return on Equity (ROE): 12.88% ($0.8 mil) Quarterly return on equity: 10.46% ($0.6 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.07% ($774.3 mil) Quarterly Pretax return on assets: 0.86% ($622.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$72,369Total assets
$34,015Cash and due from depository institutions
$30,453Interest-bearing balances
$6,345Securities
$500Federal funds sold & reverse repurchase agreements
$29,170Net loans & leases
$502Loan loss allowance
$0Trading account assets
$265Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$72,369Life insurance assets
$2,074All other assets
$66,657Total liabilities and capital
$65,579Total liabilities
$50,023Total deposits
$65,579Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,078Subordinated debt
$5,712All other liabilities
$5,712Total equity capital
$5,712Total bank equity capital
$0Perpetual preferred stock
$450Common stock
$1,950Surplus
$3,312Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2Income earned, not collected on loans
$0Earning assets
$639Long-term assets (5+ years)
$66,468Average Assets, year-to-date
$3,240Average Assets, quarterly
$67,095Volatile liabilities
$69,584Insider loans
$31,289FHLB advances
$69,882Loans and leases held for sale
$1,201Unused loan commitments
$355Tier 1 (core) risk-based capital
$5,574Tier 2 risk-based capital
$0Total risk weighted assets
$846Total unused commitments
$1,732Restructured Loans and leases
$776Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,262Total interest income
$302Total interest expense
$1,960Net interest income
$0Provision for loan and lease losses
$173Total noninterest income
$0Fiduciary activities
$71Service charges on deposit accounts
$0Trading account gains & fees
$102Additional noninterest income
$1,415Total noninterest expense
$745Salaries and employee benefits
$133Premises and equipment expense
$537Additional noninterest expense
$718Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$718Income before extraordinary items
$0Extraordinary gains - net
$718Net income attributable to bank
$0Net charge-offs
$718Cash dividends
-$4Sale, conversion, retirement of capital stock, net
$331Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.64%Yield on earning assets
0.49%Cost of funding earning assets
3.16%Net interest margin
0.28%Noninterest income to earning assets
2.28%Noninterest expense to earning assets
1.07%Net operating income to assets
1.07%Return on assets (ROA)
1.07%Pretax return on assets
12.88%Return on equity (ROE)
6.94%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
66,338Assets per employee
5.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.10%Loss allowance to loans
1.69%Loss allowance to noncurrent loans
25100.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.01%Net loans and leases to deposits
44.48%Net loans and leases to core deposits
45.72%Equity capital to assets
7.89%Core capital (leverage) ratio
7.98%Tier 1 risk-based capital ratio
17.81%Total risk-based capital ratio
Memoranda
$19Average assets
$67,095Average earning assets
$5,573Average equity
$62,096Average loans
List of branches
1 Montana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1458
Montana State Bank
Main And Third Avenue, Plentywood, MT 59254
May 25, 1917
Full Service Brick and Mortar
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