American Bank in Bozeman, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


American Bank - Overview

  • General
  • FDIC Certificate #: 20311
    Status: Active
    Federal Reserve ID: 630555
    Bank Holding Company (Regulatory Top Holder): Guaranty Development Company (RSSDID: 1121993, Location: Livingston, MT)
    Date Established: July 27, 1970
    WWW: http://www.americanbankmontana.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 10556
    FDIC's unique #: 13984
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 25, 1970
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1632 West Main Street, Bozeman, MT 59715
    County: Gallatin
    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): Bozeman, MT (#14580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $332.3 mil
    Equity capital: $31.2 mil
    Deposits held in domestic offices: $276.6 mil
    Return on assets (ROA): -0.10% (-$0.3 mil)
    Quarterly return on assets: -0.19% (-$0.6 mil)
    Return on Equity (ROE): -1.13% (-$0.4 mil)
    Quarterly return on equity: -2.06% (-$0.6 mil)
    Net income: -$0.4 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -0.10% (-$332.3 mil)
    Quarterly Pretax return on assets: -0.19% (-$631.3 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 71Total employees (full-time equivalent)
  • $332,263Total assets
  • $30,106Cash and due from depository institutions
  • $26,369Interest-bearing balances
  • $9,137Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $224,257Net loans & leases
  • $9,882Loan loss allowance
  • $0Trading account assets
  • $19,586Bank premises and fixed assets
  • $31,615Other real estate owned
  • $0Goodwill and other intangibles
  • $332,263Life insurance assets
  • $17,562All other assets
  • $301,064Total liabilities and capital
  • $276,629Total liabilities
  • $222,447Total deposits
  • $276,629Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,490Trading liabilities
  • $15,000Other borrowed funds
  • $4,945Subordinated debt
  • $31,199All other liabilities
  • $31,199Total equity capital
  • $31,199Total bank equity capital
  • $0Perpetual preferred stock
  • $14,000Common stock
  • $32,741Surplus
  • $-15,542Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,001Income earned, not collected on loans
  • $0Earning assets
  • $1,026Long-term assets (5+ years)
  • $259,763Average Assets, year-to-date
  • $14,678Average Assets, quarterly
  • $351,033Volatile liabilities
  • $334,855Insider loans
  • $277,904FHLB advances
  • $337,482Loans and leases held for sale
  • $11,737Unused loan commitments
  • $11,737Tier 1 (core) risk-based capital
  • $31,230Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,382Restructured Loans and leases
  • $47Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,446Total interest income
  • $3,104Total interest expense
  • $10,342Net interest income
  • $1,173Provision for loan and lease losses
  • $3,431Total noninterest income
  • $0Fiduciary activities
  • $414Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,017Additional noninterest income
  • $12,956Total noninterest expense
  • $5,461Salaries and employee benefits
  • $2,010Premises and equipment expense
  • $5,485Additional noninterest expense
  • -$356Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$356Income before extraordinary items
  • $0Extraordinary gains - net
  • -$356Net income attributable to bank
  • $0Net charge-offs
  • -$356Cash dividends
  • $4,302Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.68%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 4.61%Noninterest expense to earning assets
  • -0.10%Net operating income to assets
  • -0.10%Return on assets (ROA)
  • -0.10%Pretax return on assets
  • -1.13%Return on equity (ROE)
  • -1.13%Retained earnings to average equity (YTD only)
  • 1.73%Net charge-offs to loans
  • 27.27%Credit loss provision to net charge-offs
  • 0.19%Efficiency ratio
  • 94,068Assets per employee
  • 4.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.22%Loss allowance to noncurrent loans
  • 164.67%Noncurrent assets plus other real estate owned to assets
  • 11.32%Noncurrent loans to loans
  • 2.56%Net loans and leases to deposits
  • 81.07%Net loans and leases to core deposits
  • 90.77%Equity capital to assets
  • 9.39%Core capital (leverage) ratio
  • 9.25%Tier 1 risk-based capital ratio
  • 11.24%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $351,033Average earning assets
  • $31,422Average equity
  • $281,124Average loans

List of branches

  • 6 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013984American Bank1632 West Main Street, Bozeman, MT 59715July 27, 1970Full Service Brick and Mortar
    210759Livingston Branch120 North 2nd Street, Livingston, MT 59047August 27, 1947Full Service Brick and Mortar
    414615Big Timber BranchStock And First Streets, Big Timber, MT 59011July 02, 1973Full Service Brick and Mortar
    656142Whitefish Branch6475 Highway 93 South, Whitefish, MT 59937September 14, 1995Full Service Brick and Mortar
    7250708Big Sky Branch1700 Big Sky Road, Big Sky, MT 59716January 19, 1999Full Service Brick and Mortar
    8359487Bozeman - East Main Branch501 East Main Street, Bozeman, MT 59715November 06, 2000Full Service Brick and Mortar

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