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

  • Bank of Bozeman in Bozeman, Montana (MT)
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Bank of Bozeman - Overview

  • General
  • FDIC Certificate #: 57952
    Status: Active
    Federal Reserve ID: 3308529
    Bank Holding Company (Regulatory Top Holder): Bozeman Bancorp, Inc. (RSSDID: 3308510, Location: Bozeman, MT)
    Date Established: April 15, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 432445
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 15, 2005
    Last Structure Change Effective Date: September 25, 2009
    Last Structure Change Process Date: September 25, 2009
    Last Data Update: September 25, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 875 Harmon Stream Boulevard, Bozeman, MT 59718
    County: Gallatin
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Kansas City
    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
  • Financial Summary
  • Total assets: $67.0 mil
    Equity capital: $5.4 mil
    Deposits held in domestic offices: $61.2 mil
    Return on assets (ROA): -4.10% (-$2.7 mil)
    Quarterly return on assets: -5.86% (-$3.9 mil)
    Return on Equity (ROE): -49.48% (-$2.5 mil)
    Quarterly return on equity: -69.75% (-$3.5 mil)
    Net income: -$2.9 mil
    Quarterly Net income: -$1.0 mil
    Pretax return on assets: -4.10% (-$2,747.2 mil)
    Quarterly Pretax return on assets: -5.86% (-$3,926.4 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
  • 20Total employees (full-time equivalent)
  • $67,004Total assets
  • $8,436Cash and due from depository institutions
  • $6,668Interest-bearing balances
  • $0Securities
  • $8,605Federal funds sold & reverse repurchase agreements
  • $37,322Net loans & leases
  • $1,217Loan loss allowance
  • $0Trading account assets
  • $6,165Bank premises and fixed assets
  • $5,907Other real estate owned
  • $0Goodwill and other intangibles
  • $67,004Life insurance assets
  • $569All other assets
  • $61,566Total liabilities and capital
  • $61,220Total liabilities
  • $55,983Total deposits
  • $61,220Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $346Subordinated debt
  • $5,438All other liabilities
  • $5,438Total equity capital
  • $5,438Total bank equity capital
  • $0Perpetual preferred stock
  • $8Common stock
  • $19,193Surplus
  • $-13,763Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,953Income earned, not collected on loans
  • $0Earning assets
  • $177Long-term assets (5+ years)
  • $52,595Average Assets, year-to-date
  • $6,357Average Assets, quarterly
  • $69,469Volatile liabilities
  • $67,626Insider loans
  • $51,319FHLB advances
  • $68,008Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,438Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,973Restructured Loans and leases
  • $599Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,238Total interest income
  • $873Total interest expense
  • $1,365Net interest income
  • $957Provision for loan and lease losses
  • $345Total noninterest income
  • $0Fiduciary activities
  • $29Service charges on deposit accounts
  • $0Trading account gains & fees
  • $316Additional noninterest income
  • $3,604Total noninterest expense
  • $1,496Salaries and employee benefits
  • $365Premises and equipment expense
  • $1,743Additional noninterest expense
  • -$2,851Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$2,851Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,851Net income attributable to bank
  • $0Net charge-offs
  • -$2,851Cash dividends
  • $938Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.00%Yield on earning assets
  • 1.56%Cost of funding earning assets
  • 2.44%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 6.44%Noninterest expense to earning assets
  • -4.10%Net operating income to assets
  • -4.10%Return on assets (ROA)
  • -4.10%Pretax return on assets
  • -49.48%Return on equity (ROE)
  • -49.48%Retained earnings to average equity (YTD only)
  • 2.32%Net charge-offs to loans
  • 102.03%Credit loss provision to net charge-offs
  • -2.02%Efficiency ratio
  • 210,760Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.16%Loss allowance to noncurrent loans
  • 62.31%Noncurrent assets plus other real estate owned to assets
  • 11.73%Noncurrent loans to loans
  • 5.07%Net loans and leases to deposits
  • 60.96%Net loans and leases to core deposits
  • 75.01%Equity capital to assets
  • 8.12%Core capital (leverage) ratio
  • 8.00%Tier 1 risk-based capital ratio
  • 10.60%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $69,469Average earning assets
  • $5,762Average equity
  • $55,954Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0432445Bank Of Bozeman875 Harmon Stream Boulevard, Bozeman, MT 59718April 15, 2005Full Service Brick and Mortar

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