Ruby Valley National Bank in city_name, state_name - Detailed Financial Reports, Location

Ruby Valley National Bank in Twin Bridges, Montana (MT)
Show street view No street view available for this location

Ruby Valley National Bank routing number info

Ruby Valley National Bank - Overview

General
FDIC Certificate #: 2203
Status: Active
Federal Reserve ID: 566551
Bank Holding Company (Regulatory Top Holder): Twinco, Inc. (RSSDID: 1128059, Location: Twin Bridges, MT)
Date Established: January 01, 1917
WWW: http://www.rubyvalleybank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 13678
FDIC's unique #: 1460
Numeric code: 3
Regulator: OCC
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: No
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: 107 South Main Street, Twin Bridges, MT 59754
County: Madison
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: $79.3 mil
Equity capital: $10.8 mil
Deposits held in domestic offices: $68.3 mil
Return on assets (ROA): 2.38% ($1.9 mil)
Quarterly return on assets: 1.71% ($1.4 mil)
Return on Equity (ROE): 17.45% ($1.9 mil)
Quarterly return on equity: 12.37% ($1.4 mil)
Net income: $1.8 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 2.38% ($1,887.0 mil)
Quarterly Pretax return on assets: 1.71% ($1,355.8 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
19Total employees (full-time equivalent)
$79,284Total assets
$7,205Cash and due from depository institutions
$5,787Interest-bearing balances
$11,743Securities
$3,200Federal funds sold & reverse repurchase agreements
$54,035Net loans & leases
$964Loan loss allowance
$0Trading account assets
$1,460Bank premises and fixed assets
$145Other real estate owned
$0Goodwill and other intangibles
$79,284Life insurance assets
$1,496All other assets
$68,446Total liabilities and capital
$68,314Total liabilities
$54,296Total deposits
$68,314Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$132Subordinated debt
$10,838All other liabilities
$10,838Total equity capital
$10,838Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$500Surplus
$9,838Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,419Income earned, not collected on loans
$0Earning assets
$896Long-term assets (5+ years)
$74,765Average Assets, year-to-date
$15,562Average Assets, quarterly
$76,794Volatile liabilities
$78,517Insider loans
$57,538FHLB advances
$79,832Loans and leases held for sale
$133Unused loan commitments
$133Tier 1 (core) risk-based capital
$10,643Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,199Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,586Total interest income
$457Total interest expense
$4,129Net interest income
$385Provision for loan and lease losses
$285Total noninterest income
$0Fiduciary activities
$152Service charges on deposit accounts
$0Trading account gains & fees
$133Additional noninterest income
$2,201Total noninterest expense
$1,233Salaries and employee benefits
$270Premises and equipment expense
$698Additional noninterest expense
$1,828Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,828Income before extraordinary items
$0Extraordinary gains - net
$1,828Net income attributable to bank
$0Net charge-offs
$1,828Cash dividends
$573Sale, conversion, retirement of capital stock, net
$1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.34%Yield on earning assets
0.63%Cost of funding earning assets
5.71%Net interest margin
0.39%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
2.38%Net operating income to assets
2.38%Return on assets (ROA)
2.38%Pretax return on assets
17.45%Return on equity (ROE)
7.91%Retained earnings to average equity (YTD only)
1.01%Net charge-offs to loans
67.19%Credit loss provision to net charge-offs
3.86%Efficiency ratio
49,864Assets per employee
4.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
54.70%Loss allowance to loans
1.75%Loss allowance to noncurrent loans
67.94%Noncurrent assets plus other real estate owned to assets
1.97%Noncurrent loans to loans
2.58%Net loans and leases to deposits
79.10%Net loans and leases to core deposits
86.20%Equity capital to assets
13.67%Core capital (leverage) ratio
13.33%Tier 1 risk-based capital ratio
18.50%Total risk-based capital ratio
Memoranda
$20Average assets
$76,794Average earning assets
$10,474Average equity
$72,288Average loans

List of branches

2 Montana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	1460	Ruby Valley National Bank	107 South Main Street, Twin Bridges, MT 59754	January 01, 1917	Full Service Brick and Mortar
1	7565	Sheridan Office Branch	103 North Main Street, Sheridan, MT 59749	December 30, 1930	Full Service Brick and Mortar

Ruby Valley National Bank in Twin Bridges, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

Ruby Valley National 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:

Ruby Valley National Bank in Twin Bridges, Montana (MT)Overview, Financial Summary, Detailed Financial Reports, Branches

Ruby Valley National 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:

Ruby Valley National Bank in Twin Bridges, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches