FDIC Certificate #: 1982 Status: Active Federal Reserve ID: 615253 Bank Holding Company (Regulatory Top Holder): Fs Banco, Inc. (RSSDID: 1857171, Location: Malta, MT) Date Established: March 04, 1903 WWW:http://www.fsbmalta.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 #: 1334 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 27, 2010 Last Structure Change Process Date: May 27, 2010 Last Data Update: May 27, 2010 Data Source Date: April 05, 2012
Location
Address: 1 South 1st Street East, Malta, MT 59538 County: Phillips 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
Change in Location
Financial Summary
Total assets: $126.2 mil Equity capital: $18.0 mil Deposits held in domestic offices: $107.0 mil Return on assets (ROA): 1.17% ($1.5 mil) Quarterly return on assets: 0.54% ($0.7 mil) Return on Equity (ROE): 7.96% ($1.4 mil) Quarterly return on equity: 3.66% ($0.7 mil) Net income: $1.4 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.62% ($2,044.4 mil) Quarterly Pretax return on assets: 0.95% ($1,198.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$126,198Total assets
$19,942Cash and due from depository institutions
$19,274Interest-bearing balances
$56,305Securities
$1,550Federal funds sold & reverse repurchase agreements
$46,729Net loans & leases
$996Loan loss allowance
$0Trading account assets
$42Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$126,197Life insurance assets
$1,630All other assets
$108,197Total liabilities and capital
$107,001Total liabilities
$84,094Total deposits
$107,001Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,196Subordinated debt
$18,000All other liabilities
$18,000Total equity capital
$18,000Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$6,500Surplus
$10,500Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,980Income earned, not collected on loans
$0Earning assets
$1,237Long-term assets (5+ years)
$123,858Average Assets, year-to-date
$58,502Average Assets, quarterly
$119,905Volatile liabilities
$122,615Insider loans
$62,086FHLB advances
$124,781Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,040Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,465Restructured Loans and leases
$1,943Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,027Total interest income
$991Total interest expense
$4,036Net interest income
$545Provision for loan and lease losses
$321Total noninterest income
$0Fiduciary activities
$148Service charges on deposit accounts
$0Trading account gains & fees
$173Additional noninterest income
$1,872Total noninterest expense
$1,039Salaries and employee benefits
$119Premises and equipment expense
$714Additional noninterest expense
$1,940Pre-tax net operating income
$0Securities gains (losses)
$537Applicable income taxes
$1,403Income before extraordinary items
$0Extraordinary gains - net
$1,403Net income attributable to bank
$0Net charge-offs
$1,403Cash dividends
$973Sale, conversion, retirement of capital stock, net
$800Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.29%Yield on earning assets
0.85%Cost of funding earning assets
3.44%Net interest margin
0.27%Noninterest income to earning assets
1.60%Noninterest expense to earning assets
1.17%Net operating income to assets
1.17%Return on assets (ROA)
1.62%Pretax return on assets
7.96%Return on equity (ROE)
3.42%Retained earnings to average equity (YTD only)
1.94%Net charge-offs to loans
56.01%Credit loss provision to net charge-offs
2.55%Efficiency ratio
42,965Assets per employee
6.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.02%Loss allowance to loans
2.09%Loss allowance to noncurrent loans
50.30%Noncurrent assets plus other real estate owned to assets
1.57%Noncurrent loans to loans
4.15%Net loans and leases to deposits
43.67%Net loans and leases to core deposits
46.19%Equity capital to assets
14.26%Core capital (leverage) ratio
13.66%Tier 1 risk-based capital ratio
27.45%Total risk-based capital ratio
Memoranda
$29Average assets
$119,905Average earning assets
$17,624Average equity
$117,239Average loans
List of branches
1 Montana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1334
The First State Bank Of Malta
1 South 1st Street East, Malta, MT 59538
March 04, 1903
Full Service Brick and Mortar
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