American Federal Savings Bank in Helena, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • American Federal Savings Bank in Helena, Montana (MT)
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American Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 30182
    Status: Active
    Federal Reserve ID: 685676
    Date Established: January 01, 1922
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 4902
    FDIC's unique #: 43016
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 26, 1942
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1400 Prospect Avenue, Helena, MT 59601
    County: Lewis And Clark
    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): Helena, MT (#25740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $317.5 mil
    Equity capital: $43.8 mil
    Deposits held in domestic offices: $215.6 mil
    Return on assets (ROA): 0.65% ($2.1 mil)
    Quarterly return on assets: 0.91% ($2.9 mil)
    Return on Equity (ROE): 4.82% ($2.1 mil)
    Quarterly return on equity: 6.66% ($2.9 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.94% ($2,984.1 mil)
    Quarterly Pretax return on assets: 1.31% ($4,158.8 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
  • 85Total employees (full-time equivalent)
  • $317,462Total assets
  • $6,333Cash and due from depository institutions
  • $5,445Interest-bearing balances
  • $83,675Securities
  • $2,200Federal funds sold & reverse repurchase agreements
  • $191,932Net loans & leases
  • $1,168Loan loss allowance
  • $0Trading account assets
  • $15,837Bank premises and fixed assets
  • $2,017Other real estate owned
  • $2,121Goodwill and other intangibles
  • $317,462Life insurance assets
  • $13,347All other assets
  • $273,671Total liabilities and capital
  • $215,576Total liabilities
  • $207,574Total deposits
  • $215,576Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 18000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $35,796Trading liabilities
  • $0Other borrowed funds
  • $4,299Subordinated debt
  • $43,791All other liabilities
  • $43,791Total equity capital
  • $43,791Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $14,000Surplus
  • $29,791Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,145Income earned, not collected on loans
  • $0Earning assets
  • $1,386Long-term assets (5+ years)
  • $283,252Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $318,493Volatile liabilities
  • $319,421Insider loans
  • $212,578FHLB advances
  • $314,165Loans and leases held for sale
  • $9,031Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $41,453Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $39,274Restructured Loans and leases
  • $1,797Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,397Total interest income
  • $3,527Total interest expense
  • $10,870Net interest income
  • $1,015Provision for loan and lease losses
  • $2,320Total noninterest income
  • $0Fiduciary activities
  • $100Service charges on deposit accounts
  • -$374Trading account gains & fees
  • $2,594Additional noninterest income
  • $9,357Total noninterest expense
  • $4,946Salaries and employee benefits
  • $2,155Premises and equipment expense
  • $2,256Additional noninterest expense
  • $2,818Pre-tax net operating income
  • $166Securities gains (losses)
  • $922Applicable income taxes
  • $2,062Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,062Net income attributable to bank
  • $0Net charge-offs
  • $2,062Cash dividends
  • $586Sale, conversion, retirement of capital stock, net
  • $1,689Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 4.82%Return on equity (ROE)
  • 0.87%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 173.21%Credit loss provision to net charge-offs
  • 6.54%Efficiency ratio
  • 70,940Assets per employee
  • 3.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 81.91%Loss allowance to loans
  • 0.60%Loss allowance to noncurrent loans
  • 37.14%Noncurrent assets plus other real estate owned to assets
  • 1.63%Noncurrent loans to loans
  • 1.63%Net loans and leases to deposits
  • 89.03%Net loans and leases to core deposits
  • 91.59%Equity capital to assets
  • 13.79%Core capital (leverage) ratio
  • 13.19%Tier 1 risk-based capital ratio
  • 19.50%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $318,493Average earning assets
  • $42,755Average equity
  • $285,576Average loans

List of branches

  • 6 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043016American Federal Savings Bank1400 Prospect Avenue, Helena, MT 59601January 01, 1922Full Service Brick and Mortar
    127896828 Neill Avenue Branch28 Neill Avenue, Helena, MT 59601January 01, 1922Full Service Brick and Mortar
    101278970416 Broadway Branch416 Broadway, Townsend, MT 59644January 01, 1922Full Service Brick and Mortar
    1022789713401 Harrison Branch3401 Harrison, Butte, MT 59701January 01, 1922Full Service Brick and Mortar
    105498675Cromwell Dixon Ln Branch2090 Cromwell Dixon Ln, Helena, MT 59602January 02, 2009Full Service Brick and Mortar
    106518085Bozeman Branch1455 West Oak Street, Bozeman, MT 59715October 13, 2009Full Service Brick and Mortar

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