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

Bank of Montana - Overview

  • General
  • FDIC Certificate #: 58482
    Status: Active
    Federal Reserve ID: 3470097
    Bank Holding Company (Regulatory Top Holder): Bancorp Of Montana Holding Company (RSSDID: 3470088, Location: Missoula, MT)
    Date Established: November 26, 2007
    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 #: 453802
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 26, 2007
    Last Structure Change Effective Date: December 02, 2008
    Last Structure Change Process Date: December 02, 2008
    Last Data Update: December 02, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 125 Bank Street, Suite 100, Missoula, MT 59802
    County: Missoula
    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
    Metropolitan Statistical Area (MSA): Missoula, MT (#5140)
    Core Based Statistical Area (CBSA): Missoula, MT (#33540)
    CBSA Metro Statistical Area: Missoula, MT (#33540)
  • Financial Summary
  • Total assets: $34.9 mil
    Equity capital: $5.2 mil
    Deposits held in domestic offices: $26.4 mil
    Return on assets (ROA): 1.58% ($0.6 mil)
    Quarterly return on assets: 1.38% ($0.5 mil)
    Return on Equity (ROE): 10.25% ($0.5 mil)
    Quarterly return on equity: 8.08% ($0.4 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.58% ($551.2 mil)
    Quarterly Pretax return on assets: 1.38% ($481.5 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
  • 9Total employees (full-time equivalent)
  • $34,888Total assets
  • $9,131Cash and due from depository institutions
  • $7,934Interest-bearing balances
  • $1Securities
  • $5Federal funds sold & reverse repurchase agreements
  • $25,307Net loans & leases
  • $359Loan loss allowance
  • $0Trading account assets
  • $73Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $34,888Life insurance assets
  • $371All other assets
  • $29,639Total liabilities and capital
  • $26,437Total liabilities
  • $20,909Total deposits
  • $26,437Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $1,202Subordinated debt
  • $5,249All other liabilities
  • $5,249Total equity capital
  • $5,249Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $2,864Surplus
  • $385Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $86Long-term assets (5+ years)
  • $33,247Average Assets, year-to-date
  • $9,317Average Assets, quarterly
  • $28,411Volatile liabilities
  • $31,094Insider loans
  • $35,811FHLB advances
  • $29,429Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,249Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,887Restructured Loans and leases
  • $1,147Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,398Total interest income
  • $353Total interest expense
  • $1,045Net interest income
  • $94Provision for loan and lease losses
  • $719Total noninterest income
  • $0Fiduciary activities
  • $3Service charges on deposit accounts
  • $0Trading account gains & fees
  • $716Additional noninterest income
  • $1,220Total noninterest expense
  • $591Salaries and employee benefits
  • $119Premises and equipment expense
  • $510Additional noninterest expense
  • $450Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $450Income before extraordinary items
  • $0Extraordinary gains - net
  • $450Net income attributable to bank
  • $0Net charge-offs
  • $450Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $209Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.23%Yield on earning assets
  • 1.32%Cost of funding earning assets
  • 3.91%Net interest margin
  • 2.69%Noninterest income to earning assets
  • 4.56%Noninterest expense to earning assets
  • 1.58%Net operating income to assets
  • 1.58%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 10.25%Return on equity (ROE)
  • 5.49%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 69,161Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.44%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 95.73%Net loans and leases to core deposits
  • 111.02%Equity capital to assets
  • 15.05%Core capital (leverage) ratio
  • 17.84%Tier 1 risk-based capital ratio
  • 14.66%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $28,411Average earning assets
  • $4,389Average equity
  • $26,737Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0453802Bank Of Montana125 Bank Street, Suite 100, Missoula, MT 59802November 26, 2007Full Service Brick and Mortar

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