FDIC Certificate #: 358 Status: Active Federal Reserve ID: 667252 Date Established: January 01, 1917 WWW:http://www.stockmensbank.biz 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 #: 283 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: 117 Central Avenue, Cascade, MT 59421 County: Cascade 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 Metropolitan Statistical Area (MSA): Great Falls, MT (#3040) Core Based Statistical Area (CBSA): Great Falls, MT (#24500) CBSA Metro Statistical Area: Great Falls, MT (#24500)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $30.0 mil Equity capital: $3.7 mil Deposits held in domestic offices: $26.2 mil Return on assets (ROA): 0.74% ($0.2 mil) Quarterly return on assets: 0.84% ($0.3 mil) Return on Equity (ROE): 5.98% ($0.2 mil) Quarterly return on equity: 6.85% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.74% ($221.7 mil) Quarterly Pretax return on assets: 0.84% ($251.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$29,953Total assets
$13,054Cash and due from depository institutions
$11,975Interest-bearing balances
$4,855Securities
$0Federal funds sold & reverse repurchase agreements
$11,610Net loans & leases
$227Loan loss allowance
$0Trading account assets
$68Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$29,953Life insurance assets
$366All other assets
$26,260Total liabilities and capital
$26,223Total liabilities
$22,546Total deposits
$26,223Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$37Subordinated debt
$3,693All other liabilities
$3,693Total equity capital
$3,693Total bank equity capital
$0Perpetual preferred stock
$299Common stock
$1,701Surplus
$1,693Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$227Income earned, not collected on loans
$0Earning assets
$182Long-term assets (5+ years)
$28,440Average Assets, year-to-date
$7,761Average Assets, quarterly
$29,301Volatile liabilities
$30,019Insider loans
$19,465FHLB advances
$30,920Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,712Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$888Restructured Loans and leases
$340Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,362Total interest income
$309Total interest expense
$1,053Net interest income
$3Provision for loan and lease losses
$50Total noninterest income
$0Fiduciary activities
$37Service charges on deposit accounts
$0Trading account gains & fees
$13Additional noninterest income
$901Total noninterest expense
$599Salaries and employee benefits
$66Premises and equipment expense
$236Additional noninterest expense
$199Pre-tax net operating income
$19Securities gains (losses)
$0Applicable income taxes
$218Income before extraordinary items
$0Extraordinary gains - net
$218Net income attributable to bank
$0Net charge-offs
$218Cash dividends
$4Sale, conversion, retirement of capital stock, net
$114Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.88%Yield on earning assets
1.11%Cost of funding earning assets
3.77%Net interest margin
0.18%Noninterest income to earning assets
3.23%Noninterest expense to earning assets
0.68%Net operating income to assets
0.74%Return on assets (ROA)
0.74%Pretax return on assets
5.98%Return on equity (ROE)
2.85%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
75.00%Credit loss provision to net charge-offs
50.50%Efficiency ratio
81,686Assets per employee
3.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.29%Loss allowance to loans
1.92%Loss allowance to noncurrent loans
100.00%Noncurrent assets plus other real estate owned to assets
0.76%Noncurrent loans to loans
1.92%Net loans and leases to deposits
44.27%Net loans and leases to core deposits
44.72%Equity capital to assets
12.33%Core capital (leverage) ratio
12.01%Tier 1 risk-based capital ratio
19.07%Total risk-based capital ratio
Memoranda
$20Average assets
$29,301Average earning assets
$3,647Average equity
$27,907Average loans
List of branches
1 Montana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
283
Stockmens Bank
117 Central Avenue, Cascade, MT 59421
January 01, 1917
Full Service Brick and Mortar
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