The Whitehall State Bank in Whitehall, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 21, 1994

The Whitehall State Bank in Whitehall, Montana (MT)
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The Whitehall State Bank - Overview

General
FDIC Certificate #: 356
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Rocky Mountain Bank (#20310)
Federal Reserve ID: 445151
Date Established: January 01, 1904
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 281
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 21, 1994
Last Structure Change Process Date: December 05, 1994
Last Data Update: December 05, 1994
Data Source Date: April 05, 2012
Location
Address: 101 East Legion Avenue, Whitehall, MT 59759
County: Jefferson
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
Core Based Statistical Area (CBSA): Helena, MT (#25740)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $14.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$9Total assets
$14,770Cash and due from depository institutions
$674Interest-bearing balances
$100Securities
$4,440Federal funds sold & reverse repurchase agreements
$650Net loans & leases
$8,592Loan loss allowance
$106Trading account assets
$0Bank premises and fixed assets
$252Other real estate owned
$9Goodwill and other intangibles
$153Life insurance assets
$0All other assets
$0Total liabilities and capital
$14,770Total liabilities
$13,587Total deposits
$13,537Interest-bearing deposits
$10,866Deposits held in domestic offices
13537.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$50Total equity capital
$50Total bank equity capital
$1,183Perpetual preferred stock
$0Common stock
$200Surplus
$800Undivided profits
Memoranda
$183Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$100Earning assets
$13,782Long-term assets (5+ years)
$692Average Assets, year-to-date
$14,084Average Assets, quarterly
$14,616Volatile liabilities
$661Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$320Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,155Total risk weighted assets
$8,085Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$1,007Total interest expense
$328Net interest income
$679Provision for loan and lease losses
$0Total noninterest income
$115Fiduciary activities
$0Service charges on deposit accounts
$62Trading account gains & fees
$0Additional noninterest income
$53Total noninterest expense
$539Salaries and employee benefits
$209Premises and equipment expense
$79Additional noninterest expense
$251Pre-tax net operating income
$247Securities gains (losses)
$4Applicable income taxes
$82Income before extraordinary items
$169Extraordinary gains - net
$0Net income attributable to bank
$169Net charge-offs
$3Cash dividends
$126Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.73%Cost of funding earning assets
2.52%Net interest margin
5.21%Noninterest income to earning assets
0.88%Noninterest expense to earning assets
4.14%Net operating income to assets
1.18%Return on assets (ROA)
1.20%Pretax return on assets
1.78%Return on equity (ROE)
14.55%Retained earnings to average equity (YTD only)
3.70%Net charge-offs to loans
0.04%Credit loss provision to net charge-offs
0.00%Efficiency ratio
67,884Assets per employee
1.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
74.56%Loss allowance to loans
1.22%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
63.47%Net loans and leases to core deposits
66.73%Equity capital to assets
8.01%Core capital (leverage) ratio
7.87%Tier 1 risk-based capital ratio
14.29%Total risk-based capital ratio
Memoranda
$16Average assets
$14,084Average earning assets
$1,161Average equity
$13,021Average loans

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