Bank of Bozeman in Bozeman, Montana (MT)



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Bank of Bozeman routing number info

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Bank of Bozeman
GeneralFDIC 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
WWW: http://www.bankofbozeman.com
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)20
Total assets$67,004
Cash and due from depository institutions$8,436
Interest-bearing balances$6,668
Securities$0
Federal funds sold & reverse repurchase agreements$8,605
Net loans & leases$37,322
Loan loss allowance $1,217
Trading account assets$0
Bank premises and fixed assets$6,165
Other real estate owned$5,907
Goodwill and other intangibles$0
All other assets$569
Life insurance assets$67,004
Total liabilities and capital$61,566
Total liabilities$61,220
Total deposits$55,983
Interest-bearing deposits$61,220
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $346
All other liabilities $5,438
Total equity capital$5,438
Total bank equity capital$5,438
Perpetual preferred stock$0
Common stock$8
Surplus$19,193
Undivided profits $-13,763
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,953
Earning assets $0
Long-term assets (5+ years) $177
Average Assets, year-to-date $52,595
Average Assets, quarterly $6,357
Volatile liabilities $69,469
Insider loans $67,626
FHLB advances $51,319
Loans and leases held for sale $68,008
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,438
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,973
Derivatives$599
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,238
Total interest expense $873
Net interest income $1,365
Provision for loan and lease losses $957
Total noninterest income $345
Fiduciary activities $0
Service charges on deposit accounts $29
Trading account gains & fees $0
Additional noninterest income $316
Total noninterest expense $3,604
Salaries and employee benefits $1,496
Premises and equipment expense $365
Additional noninterest expense $1,743
Pre-tax net operating income -$2,851
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$2,851
Extraordinary gains - net $0
Net income attributable to bank -$2,851
Net charge-offs $0
Cash dividends -$2,851
Sale, conversion, retirement of capital stock, net $938
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.00%
Cost of funding earning assets 1.56%
Net interest margin 2.44%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 6.44%
Net operating income to assets -4.10%
Return on assets (ROA) -4.10%
Pretax return on assets -4.10%
Return on equity (ROE) -49.48%
Retained earnings to average equity (YTD only) -49.48%
Net charge-offs to loans 2.32%
Credit loss provision to net charge-offs 102.03%
Efficiency ratio-2.02%
Assets per employee$210,760
Cash dividends to net income (YTD only)3.35%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.16%
Noncurrent assets plus other real estate owned to assets 62.31%
Noncurrent loans to loans 11.73%
Net loans and leases to deposits5.07%
Net loans and leases to core deposits 60.96%
Equity capital to assets 75.01%
Core capital (leverage) ratio 8.12%
Tier 1 risk-based capital ratio 8.00%
Total risk-based capital ratio 10.60%
Memoranda
Average assets$12
Average earning assets$69,469
Average equity $5,762
Average loans $55,954
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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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