Bank of Montana in Missoula, Montana (MT)

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Bank of Montana
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)9
Total assets$34,888
Cash and due from depository institutions$9,131
Interest-bearing balances$7,934
Federal funds sold & reverse repurchase agreements$5
Net loans & leases$25,307
Loan loss allowance $359
Trading account assets$0
Bank premises and fixed assets$73
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$371
Life insurance assets$34,888
Total liabilities and capital$29,639
Total liabilities$26,437
Total deposits$20,909
Interest-bearing deposits$26,437
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $1,202
All other liabilities $5,249
Total equity capital$5,249
Total bank equity capital$5,249
Perpetual preferred stock$0
Common stock$2,000
Undivided profits $385
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 $0
Earning assets $0
Long-term assets (5+ years) $86
Average Assets, year-to-date $33,247
Average Assets, quarterly $9,317
Volatile liabilities $28,411
Insider loans $31,094
FHLB advances $35,811
Loans and leases held for sale $29,429
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,249
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,887
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,398
Total interest expense $353
Net interest income $1,045
Provision for loan and lease losses $94
Total noninterest income $719
Fiduciary activities $0
Service charges on deposit accounts $3
Trading account gains & fees $0
Additional noninterest income $716
Total noninterest expense $1,220
Salaries and employee benefits $591
Premises and equipment expense $119
Additional noninterest expense $510
Pre-tax net operating income $450
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $450
Extraordinary gains - net $0
Net income attributable to bank $450
Net charge-offs $0
Cash dividends $450
Sale, conversion, retirement of capital stock, net $0
Net operating income $209
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.23%
Cost of funding earning assets 1.32%
Net interest margin 3.91%
Noninterest income to earning assets 2.69%
Noninterest expense to earning assets 4.56%
Net operating income to assets 1.58%
Return on assets (ROA) 1.58%
Pretax return on assets 1.58%
Return on equity (ROE) 10.25%
Retained earnings to average equity (YTD only) 5.49%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$69,161
Cash dividends to net income (YTD only)3.88%
Condition Ratios (%)
Loss allowance to loans 46.44%
Loss allowance to noncurrent loans 1.40%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 95.73%
Equity capital to assets 111.02%
Core capital (leverage) ratio 15.05%
Tier 1 risk-based capital ratio 17.84%
Total risk-based capital ratio 14.66%
Average assets$16
Average earning assets$28,411
Average equity $4,389
Average loans $26,737
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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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