Treasure State Bank

Treasure State Bank is headquartered in Missoula and is the 41^st largest bank in the state of Montana. It is also the 5,618^st largest bank in the nation. It was established in 2007 and as of September of 2011, it had grown to 15 employees at 1 location. Treasure State Bank's money market rates are 36% higher than the national average, but it has a 2-star health rating.

Treasure State Bank Routing Number: 092905508

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Data for Q3 2011

Institution Statistics Treasure State Bank FDIC Certificate # 58454 BankRate Report View Year Established 2007 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $76.47 million Loans $50.20 million Deposits $65.61 million Equity Capital $5.61 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $4.89 million Real Estate Owned $3.82 million Historic Data - September 2010 Assets $88.21 million Equity Capital $8.44 million Loan Loss Allowance $1.89 million Unbacked Noncurrent Loans $8.45 million Real Estate Owned $3.24 million Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 0.56% Return on Equity 8.09% Interest Income $2.85 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Treasure State Bank had $8.71 million in non-current loans and owned real-estate with $7.67 million in equity and loan loss allowances on hand to cover it. This gives Treasure State Bank a Texas Ratio of 113.54% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Treasure State Bank held steady from 113.15% as of September 30, 2010 to 113.54% as of September 30, 2011, resulting in a negative change of 0.34%. This indicates that the balance sheet and financial strength for Treasure State Bank has held steady in recent periods. Deposit Growth In the past year, Treasure State Bank has decreased its total deposits by -$8.48 million, resulting in -11.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Treasure State Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Treasure State Bank has $76.47 million in assets with $7.67 million in equity, resulting in a capitalization level of 10.04%, which is above average.

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