Stockmens Bank

Report generated from DepositInsuredBanks.com
DepositInsuredBanks.com


Overview

FDIC Cert 358
Address
117 Central Avenue, Cascade, MT 59421
FDIC Unique Number 283
Federal Reserve ID 667252
Federal Reserve ID for Bank Holding Company 0
OCC Charter Number 0
OTS Docket Number Not available or not applicable
MSA Great Falls, MT
County Cascade
Website http://www.stockmens.net
Established On 01/01/1917
Insured On 01/01/1934
Holding Company
Regulator Federal Reserve Board
Asset Concentration Agricultural Specialization
Ownership Type
Domestic Offices 1
Foreign Offices
Bank Charter Class SM - Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)

Recent Changes

Merge BIF and SAIF Funds into DIF

Financial Snapshot

USD, Thousands
Total Assets 34,799
Total Deposits 29,566
Domestic Deposits 29,566
Bank Equity Capital 4,177
Year to Date Quarterly
Net Income USD, 000 168 60
Return on Assets 0.64% 0.69%
Return on Equity 5.45% 5.82%
Pre-Tax Return on Assets 0.64% 0.69%
as of 09/30/2015

Financial Health

As of 09/30/2015
Low Risk

The Texas ratio is a measure of a bank's credit troubles. It is a way to measure how risky a bank is. The higher the Texas ratio, the more severe the credit troubles. Any bank with a TX Ratio near or greater than 100% is considered at risk. Developed by Gerard Cassidy and others at RBC Capital Markets, it is calculated by dividing the value of the lender's non-performing assets (Non performing loans + Real Estate Owned) by the sum of its tangible common equity capital and loan loss reserves.

Stockmens Bank has a texas ratio of 3.98 which puts it at low risk. As of 09/30/2015 the bank had $176 Non Current Loans and Leases, $0 Other Real Estate Owned, $4,177 Total Equity Capital and $247 Loan Loss Allowance.

Historical Texas Ratios

Date Non Current Loans and Leases Other Real Estate Owned Total Equity Capital Loan Loss Allowance TX Ratio
09/30/2015 $176 $0 $4,177 $247 3.98
06/30/2015 $229 $0 $4,070 $247 5.3
03/31/2015 $185 $0 $4,106 $247 4.25
12/31/2014 $127 $0 $4,084 $252 2.93
09/30/2014 $125 $0 $4,025 $252 2.92
06/30/2014 $120 $0 $3,970 $252 2.84
03/31/2014 $150 $0 $3,833 $252 3.67
12/31/2013 $146 $0 $3,825 $252 3.58
09/30/2013 $140 $0 $3,818 $252 3.44
06/30/2013 $224 $0 $3,732 $252 5.62
03/31/2013 $225 $0 $3,916 $251 5.4
12/31/2012 $163 $0 $4,047 $242 3.8
09/30/2012 $169 $0 $4,007 $242 3.98
06/30/2012 $194 $0 $3,849 $253 4.73
03/31/2012 $222 $0 $3,760 $227 5.57
12/31/2011 $227 $0 $3,693 $227 5.79
09/30/2011 $239 $0 $3,666 $224 6.14
06/30/2011 $259 $0 $3,677 $222 6.64
03/31/2011 $278 $0 $3,579 $222 7.31
12/31/2010 $242 $0 $3,620 $228 6.29
09/30/2010 $280 $0 $3,729 $170 7.18
06/30/2010 $211 $0 $3,611 $170 5.58
03/31/2010 $343 $0 $3,546 $170 9.23
12/31/2009 $257 $0 $3,583 $170 6.85
09/30/2009 $294 $0 $3,542 $160 7.9399999999999995
06/30/2009 $397 $0 $3,413 $158 11.12
03/31/2009 $392 $0 $3,261 $158 11.47

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Assets and Liabilities

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total employees (full-time equivalent) 9 8 8 9 9 Chart
Total Assets 34,799 34,819 34,981 34,442 34,395 Chart
Cash & Balances due from depository institutions 15,590 16,011 16,465 15,488 15,503 Chart
Interest-bearing balances 14,812 15,210 15,154 14,804 14,992 Chart
Securities 7,368 7,363 7,373 7,426 7,429 Chart
Federal funds sold and reverse repurchase 0 0 0 0 0 Chart
Net loans and leases 11,404 11,007 10,783 11,135 11,035 Chart
Loan loss allowance 247 247 247 252 252 Chart
Trading account assets 0 0 0 0 0 Chart
Bank premises and fixed assets 44 49 54 60 72 Chart
Other real estate owned 0 0 0 0 0 Chart
Goodwill and other intangibles 0 0 0 0 0 Chart
All other assets 393 389 306 333 356 Chart
Total Liabilities and Capital 34,799 34,819 34,981 34,442 34,395 Chart
Total Liabilities 30,622 30,749 30,875 30,358 30,370 Chart
Total deposits 29,566 30,635 30,803 30,330 30,205 Chart
Interest-bearing deposits 24,481 25,530 26,298 25,197 25,480 Chart
Deposits held in domestic offices 29,566 30,635 30,803 30,330 30,205 Chart
% insured (estimated) 96% 90% 94% 96% 95% Chart
Federal funds purchased and repurchase agreements 900 0 0 0 0 Chart
Trading liabilities 0 0 0 0 0 Chart
Other borrowed funds 0 0 0 0 0 Chart
Subordinated debt 0 0 0 0 0 Chart
All other liabilities 156 114 72 28 165 Chart
Total equity capital 4,177 4,070 4,106 4,084 4,025 Chart
Bank equity capital 4,177 4,070 4,106 4,084 4,025 Chart
Perpetual preferred stock 0 0 0 0 0 Chart
Common stock 299 299 299 299 299 Chart
Surplus 2,201 2,201 2,201 2,201 2,201 Chart
Undivided profits 1,677 1,570 1,606 1,584 1,525 Chart
Equity, minor interest in consolidated subs 0 0 0 0 0 Chart
Memoranda
Noncurrent loans and leases 176 229 185 127 125 Chart
Noncurrent loans which are wholly or partially guaranteed by the U.S. 0 0 0 0 0 Chart
Income earned, not collected on loans 227 224 167 192 213 Chart
Earning assets 33,584 33,580 33,310 33,365 33,456 Chart
Long-term assets (5+ years) 9,332 9,056 9,088 9,432 9,272 Chart
Average total assets 34,760 34,747 34,712 34,204 34,144 Chart
Average assets, quarterly 34,809 34,900 34,712 34,419 34,390 Chart
Total risk weighted assets adjusted 13,762 13,009 16,283 21,654 21,633 Chart
Adjusted average assets for leverage capital purposes 34,591 35,452 34,625 34,814 34,737 Chart
Life insurance assets 0 0 0 0 0 Chart
General account life insurance assets 0 0 0 0 0 Chart
Separate account life insurance assets 0 0 0 0 0 Chart
Hybrid life insurance assets 0 0 0 0 0 Chart
Volatile liabilities 2,450 1,546 1,046 1,044 1,536 Chart
Insider loans 270 264 262 268 280 Chart
FHLB advances 0 0 0 0 0 Chart
Loans and leases held for sale 0 0 0 0 0 Chart
Unused loan commitments 1,125 848 1,041 1,030 1,237 Chart
Tier one (core) capital 4,033 3,973 3,918 3,965 3,930 Chart
Tier 2 Risk-based capital 171 165 247 252 252 Chart
Total unused commitments 1,125 848 1,041 1,030 1,237 Chart
Derivatives 0 0 0 0 0 Chart

Income and Expenses

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total interest income 878 577 295 1,196 894 Chart
Total interest expense 123 82 42 182 138 Chart
Net interest income 755 495 253 1,014 756 Chart
Provision for loan and lease losses 0 0 0 0 0 Chart
Total noninterest income 40 28 17 49 37 Chart
Gross Fiduciary activities income 0 0 0 0 0 Chart
Service charges on deposit accounts 21 13 7 30 23 Chart
Trading account gains and fees 0 0 0 0 0 Chart
Additional Noninterest Income 19 15 10 19 14 Chart
Total noninterest expense 627 415 217 863 628 Chart
Salaries and employee benefits 434 290 148 597 440 Chart
Premises and equipment expense 40 26 13 65 40 Chart
Additional noninterest expense 153 99 56 201 148 Chart
Pre-tax net operating income 168 108 53 200 165 Chart
Securities gains (losses) 0 0 0 0 0 Chart
Applicable income taxes 0 0 0 0 0 Chart
Income before extraordinary items 168 108 53 200 165 Chart
Extraordinary gains, net 0 0 0 0 0 Chart
Net income 168 108 53 200 165 Chart
Minority interest net income 0 0 0 0 0 Chart
Net income of bank and minority interests 168 108 53 200 165 Chart
Net charge-offs 5 5 5 0 0 Chart
Cash dividends 100 100 100 104 104 Chart
Sale, conversion, retirement of capital stock, net 0 0 0 0 0 Chart
Net operating income 168 108 53 200 165 Chart

Securities

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total securities 7,368 7,363 7,373 7,426 7,429 Chart
U.S. Government securities 978 959 980 958 942 Chart
U.S. Treasury securities 197 193 199 193 189 Chart
U.S. Government agency obligations 781 766 781 765 753 Chart
Securities issued by states & political subdivisions 3,538 3,551 3,434 3,429 3,435 Chart
Other domestic debt securities 2,489 2,489 2,520 2,600 2,717 Chart
Privately issued residential mortgage-backed securities 0 0 0 0 0 Chart
Commercial mortgage-backed securities - Total 0 0 0 0 0 Chart
Asset backed securities 0 0 0 0 0 Chart
Structured financial products - Total 0 0 0 0 0 Chart
Other domestic debt securities - All other 2,489 2,489 2,520 2,600 2,717 Chart
Foreign debt securities 363 364 439 439 335 Chart
Equity securities 0 0 0 0 0 Chart
Assets held in trading accounts for TFR Reporters 0 0 0 0 0 Chart
General valuation allowances for securities for TFR Reporters 0 0 0 0 0 Chart
Memoranda
Pledged securities 297 298 297 293 288 Chart
Mortgage-backed securities 0 0 0 0 0 Chart
Certificates of participation in pools of residential mortgages 0 0 0 0 0 Chart
Issued or guaranteed by U.S. 0 0 0 0 0 Chart
Privately issued 0 0 0 0 0 Chart
Collaterized mortgage obligations 0 0 0 0 0 Chart
CMOs issued by government agencies or sponsored agencies 0 0 0 0 0 Chart
Privately issued 0 0 0 0 0 Chart
Commercial mortgage-backed securities 0 0 0 0 0 Chart
Commercial mortgage pass-through securities 0 0 0 0 0 Chart
Other commercial mortgage-backed securities 0 0 0 0 0 Chart
Held to maturity securities (book value) 0 0 0 0 0 Chart
Available-for-sale securities (fair market value) 7,368 7,363 7,373 7,426 7,429 Chart
Total debt securities 7,368 7,363 7,373 7,426 7,429 Chart
Structured Notes
Amortized cost 200 200 200 200 200 Chart
Fair value 196 194 197 195 191 Chart
Trading account assets 0 0 0 0 0 Chart
Revaluation gains on off-balance sheet contracts 0 0 0 0 0 Chart
Revaluation losses on off-balance sheet contracts 0 0 0 0 0 Chart

Performance and Condition Ratios

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
% of unprofitable institutions N/A N/A N/A N/A N/A Chart
% of insitutions with earnings gains N/A N/A N/A N/A N/A Chart
Performance Ratios (%, annualized)
Yield on earning assets 3.50% 3.45% 3.54% 3.60% 3.59% Chart
Cost of funding earning assets 0.49% 0.49% 0.50% 0.55% 0.55% Chart
Net interest margin 3.01% 2.96% 3.04% 3.05% 3.04% Chart
Noninterest income to average assets 0.15% 0.16% 0.20% 0.14% 0.14% Chart
Noninterest expense to average assets 2.40% 2.39% 2.50% 2.52% 2.45% Chart
Loan and lease loss provision to assets 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Net operating income to assets 0.64% 0.62% 0.61% 0.58% 0.64% Chart
Return on assets (ROA) 0.64% 0.62% 0.61% 0.58% 0.64% Chart
Pretax return on assets 0.64% 0.62% 0.61% 0.58% 0.64% Chart
Return on Equity (ROE) 5.45% 5.29% 5.18% 5.07% 5.62% Chart
Retained earnings to average equity (YTD only) 2.21% 0.39% -4.59% 2.43% 2.08% Chart
Net charge-offs to loans 0.06% 0.09% 0.18% 0.00% 0.00% Chart
Credit loss provision to net charge-offs 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Earnings coverage of net charge-offs (x) 33.58% 21.60% 10.60% 0.00% 0.00% Chart
Efficiency ratio 78.87% 79.35% 80.37% 81.19% 79.19% Chart
Assets per employee ($millions) 3.87% 4.35% 4.37% 3.83% 3.82% Chart
Cash dividends to net income (YTD only) 59.52% 92.59% 188.68% 52.00% 63.03% Chart
Condition Ratios (%)
Loss allowance to loans 2.12% 2.19% 2.24% 2.21% 2.23% Chart
Loan loss allowance to noncurrent loans 140.34% 107.86% 133.51% 198.43% 201.60% Chart
Noncurrent assets plus other real estate owned to assets 0.51% 0.66% 0.53% 0.37% 0.36% Chart
Noncurrent loans to loans 1.51% 2.03% 1.68% 1.12% 1.11% Chart
Net loans and leases to total assets 32.77% 31.61% 30.83% 32.33% 32.08% Chart
Net loans and leases to deposits 38.57% 35.93% 35.01% 36.71% 36.53% Chart
Net loans and leases to core deposits 40.71% 38.43% 36.79% 38.61% 41.35% Chart
Total domestic deposits to total assets 84.96% 87.98% 88.06% 88.06% 87.82% Chart
Equity capital to assets 12.00% 11.69% 11.74% 11.86% 11.70% Chart
Core capital (leverage) ratio 11.66% 11.21% 11.32% 11.39% 11.31% Chart
Tier 1 risk-based capital ratio 29.31% 30.54% 24.06% 18.31% 18.17% Chart
Total risk-based capital ratio 30.55% 31.81% 25.58% 19.47% 19.33% Chart
Memoranda
Average total assets 34,760 34,747 34,712 34,204 34,144 Chart
Average earning assets 33,460 33,418 33,338 33,204 33,164 Chart
Average equity 4,109 4,087 4,095 3,947 3,913 Chart
Average loans 11,331 11,224 11,209 11,117 11,050 Chart