The Continental National Bank of Harlowton in Harlowton, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 26, 2008

The Continental National Bank of Harlowton in Harlowton, Montana (MT)
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The Continental National Bank of Harlowton - Overview

General
FDIC Certificate #: 2182
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Citizens Bank & Trust Company (#1972)
Federal Reserve ID: 676955
Date Established: January 01, 1917
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
FDIC's unique #: 1444
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 26, 2008
Last Structure Change Process Date: August 12, 2008
Last Data Update: August 12, 2008
Data Source Date: April 05, 2012
Location
Address: 32 North Central, Harlowton, MT 59036
County: Wheatland
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: $45.2 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, 2007)

Dollar figures in thousands
13Total employees (full-time equivalent)
$47,501Total assets
$1,605Cash and due from depository institutions
$0Interest-bearing balances
$13,897Securities
$10,600Federal funds sold & reverse repurchase agreements
$20,105Net loans & leases
$464Loan loss allowance
$0Trading account assets
$241Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,053All other assets
$47,502Total liabilities and capital
$42,064Total liabilities
$40,919Total deposits
$32,923Interest-bearing deposits
$40,919Deposits held in domestic offices
0.00%% insured (estimated)
$1,031Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$114All other liabilities
$5,438Total equity capital
$5,438Total bank equity capital
$5,438Perpetual preferred stock
$0Common stock
$100Surplus
$100Undivided profits
Memoranda
$5,238Noncurrent loans and leases
$5,459Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,199Earning assets
$493Long-term assets (5+ years)
$540Average Assets, year-to-date
$44,602Average Assets, quarterly
$7,821Volatile liabilities
$43,323Insider loans
$44,945FHLB advances
$7,870Loans and leases held for sale
$377Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,459Total unused commitments
$0Restructured Loans and leases
$305Derivatives

Income and Expense (December 31, 2007)

Dollar figures in thousands
$2,685Total interest income
$1,087Total interest expense
$1,598Net interest income
$363Provision for loan and lease losses
$235Total noninterest income
$0Fiduciary activities
$147Service charges on deposit accounts
$0Trading account gains & fees
$88Additional noninterest income
$1,169Total noninterest expense
$630Salaries and employee benefits
$100Premises and equipment expense
$439Additional noninterest expense
$301Pre-tax net operating income
$0Securities gains (losses)
$75Applicable income taxes
$226Income before extraordinary items
$0Extraordinary gains - net
$226Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$284Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2007)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.65%Yield on earning assets
2.69%Cost of funding earning assets
3.96%Net interest margin
0.58%Noninterest income to earning assets
2.89%Noninterest expense to earning assets
0.52%Net operating income to assets
0.52%Return on assets (ROA)
0.69%Pretax return on assets
4.28%Return on equity (ROE)
4.28%Retained earnings to average equity (YTD only)
1.24%Net charge-offs to loans
127.82%Credit loss provision to net charge-offs
2.34%Efficiency ratio
63,775Assets per employee
3.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.26%Loss allowance to noncurrent loans
38.70%Noncurrent assets plus other real estate owned to assets
2.52%Noncurrent loans to loans
5.83%Net loans and leases to deposits
49.13%Net loans and leases to core deposits
58.99%Equity capital to assets
11.45%Core capital (leverage) ratio
11.92%Tier 1 risk-based capital ratio
22.51%Total risk-based capital ratio
Memoranda
$24Average assets
$43,323Average earning assets
$5,283Average equity
$40,396Average loans

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