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

This bank is inactive as of October 18, 1996

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

General
FDIC Certificate #: 1111
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Yellowstone Bank (#1978)
Federal Reserve ID: 638252
Date Established: January 01, 1907
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 754
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: January 01, 1934
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: 544 Pike Avenue, Columbus, MT 59019
County: Stillwater
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: $39.3 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)
$10Total assets
$37,993Cash and due from depository institutions
$506Interest-bearing balances
$0Securities
$22,167Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$13,900Loan loss allowance
$221Trading account assets
$0Bank premises and fixed assets
$182Other real estate owned
$0Goodwill and other intangibles
$1,238Life insurance assets
$0All other assets
$0Total liabilities and capital
$37,993Total liabilities
$32,114Total deposits
$28,766Interest-bearing deposits
$22,990Deposits held in domestic offices
28766.00%% insured (estimated)
$74Federal funds purchased & repurchase agreements
$2,630Trading liabilities
$0Other borrowed funds
$569Subordinated debt
$0All other liabilities
$149Total equity capital
$149Total bank equity capital
$5,879Perpetual preferred stock
$0Common stock
$1,000Surplus
$2,500Undivided profits
Memoranda
$2,379Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$10Income earned, not collected on loans
$272Earning assets
$36,067Long-term assets (5+ years)
$13,594Average Assets, year-to-date
$35,150Average Assets, quarterly
$36,131Volatile liabilities
$5,745Insider loans
$50FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$3,367Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,879Total risk weighted assets
$17,707Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$2,534Total interest expense
$955Net interest income
$1,579Provision for loan and lease losses
$0Total noninterest income
$224Fiduciary activities
$0Service charges on deposit accounts
$122Trading account gains & fees
$0Additional noninterest income
$102Total noninterest expense
$1,031Salaries and employee benefits
$688Premises and equipment expense
$128Additional noninterest expense
$215Pre-tax net operating income
$772Securities gains (losses)
$0Applicable income taxes
$278Income before extraordinary items
$494Extraordinary gains - net
$0Net income attributable to bank
$494Net charge-offs
$0Cash dividends
$680Sale, 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
7.70%Cost of funding earning assets
2.90%Net interest margin
4.80%Noninterest income to earning assets
0.68%Noninterest expense to earning assets
3.13%Net operating income to assets
1.41%Return on assets (ROA)
1.41%Pretax return on assets
2.20%Return on equity (ROE)
7.98%Retained earnings to average equity (YTD only)
-3.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
57,182Assets per employee
3.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
137.65%Loss allowance to loans
1.57%Loss allowance to noncurrent loans
2210.00%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.07%Net loans and leases to deposits
48.32%Net loans and leases to core deposits
53.01%Equity capital to assets
15.47%Core capital (leverage) ratio
16.03%Tier 1 risk-based capital ratio
33.20%Total risk-based capital ratio
Memoranda
$34Average assets
$35,150Average earning assets
$6,188Average equity
$32,930Average loans

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