The Yellowstone Bank in Billings, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 18, 1996

The Yellowstone Bank in Billings, Montana (MT)
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The Yellowstone Bank - Overview

General
FDIC Certificate #: 26430
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Yellowstone Bank (#1978)
Federal Reserve ID: 661652
Date Established: November 04, 1985
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 33066
Numeric code: 13
Regulator: FED
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: November 04, 1985
Last Structure Change Effective Date: October 18, 1996
Last Structure Change Process Date: October 31, 1996
Last Data Update: October 31, 1996
Data Source Date: April 05, 2012
Location
Address: 2050 Overland Drive, Suite B, Billings, MT 59102
County: Yellowstone
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): Billings, MT (#880)
Core Based Statistical Area (CBSA): Billings, MT (#13740)
CBSA Metro Statistical Area: Billings, MT (#13740)
Financial Summary
Total assets: $36.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$15Total assets
$32,367Cash and due from depository institutions
$645Interest-bearing balances
$0Securities
$10,246Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$19,161Loan loss allowance
$100Trading account assets
$0Bank premises and fixed assets
$1,736Other real estate owned
$0Goodwill and other intangibles
$579Life insurance assets
$0All other assets
$0Total liabilities and capital
$32,367Total liabilities
$26,535Total deposits
$23,640Interest-bearing deposits
$17,661Deposits held in domestic offices
23640.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,720Subordinated debt
$0All other liabilities
$175Total equity capital
$175Total bank equity capital
$5,832Perpetual preferred stock
$0Common stock
$1,000Surplus
$3,000Undivided profits
Memoranda
$1,832Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$25Income earned, not collected on loans
$129Earning assets
$29,407Long-term assets (5+ years)
$5,672Average Assets, year-to-date
$32,025Average Assets, quarterly
$32,845Volatile liabilities
$4,824Insider loans
$0FHLB advances
$0Loans and leases held for sale
$1,083Unused loan commitments
$4,198Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,832Total risk weighted assets
$22,112Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$2,401Total interest expense
$790Net interest income
$1,611Provision for loan and lease losses
$0Total noninterest income
$510Fiduciary activities
$0Service charges on deposit accounts
$259Trading account gains & fees
$0Additional noninterest income
$251Total noninterest expense
$1,148Salaries and employee benefits
$610Premises and equipment expense
$266Additional noninterest expense
$272Pre-tax net operating income
$973Securities gains (losses)
$0Applicable income taxes
$346Income before extraordinary items
$627Extraordinary gains - net
$0Net income attributable to bank
$627Net charge-offs
$0Cash dividends
$10Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.29%Cost of funding earning assets
2.73%Net interest margin
5.56%Noninterest income to earning assets
1.76%Noninterest expense to earning assets
3.96%Net operating income to assets
1.96%Return on assets (ROA)
1.96%Pretax return on assets
3.04%Return on equity (ROE)
11.85%Retained earnings to average equity (YTD only)
11.66%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
54,125Assets per employee
2.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
1.59%Loss allowance to loans
0.52%Loss allowance to noncurrent loans
400.00%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.13%Net loans and leases to deposits
81.05%Net loans and leases to core deposits
88.97%Equity capital to assets
18.02%Core capital (leverage) ratio
17.56%Tier 1 risk-based capital ratio
26.38%Total risk-based capital ratio
Memoranda
$27Average assets
$32,025Average earning assets
$5,292Average equity
$28,977Average loans

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