Big Sky Western Bank in Bozeman, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Big Sky Western Bank in Bozeman, Montana (MT)
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Big Sky Western Bank - Overview

  • General
  • FDIC Certificate #: 32871
    Status: Active
    Federal Reserve ID: 1441600
    Bank Holding Company (Regulatory Top Holder): Glacier Bancorp, Inc. (RSSDID: 2003975, Location: Kalispell, MT)
    Date Established: March 21, 1990
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 10715
    FDIC's unique #: 45783
    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: March 21, 1990
    Last Structure Change Effective Date: August 02, 2011
    Last Structure Change Process Date: August 02, 2011
    Last Data Update: August 02, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4150 Valley Commons Drive, Bozeman, MT 59718
    County: Gallatin
    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): Bozeman, MT (#14580)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $386.2 mil
    Equity capital: $67.7 mil
    Deposits held in domestic offices: $221.5 mil
    Return on assets (ROA): 1.00% ($3.9 mil)
    Quarterly return on assets: 1.11% ($4.3 mil)
    Return on Equity (ROE): 5.59% ($3.8 mil)
    Quarterly return on equity: 6.29% ($4.3 mil)
    Net income: $3.7 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.39% ($5,367.7 mil)
    Quarterly Pretax return on assets: 1.67% ($6,449.0 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
  • 89Total employees (full-time equivalent)
  • $386,167Total assets
  • $9,322Cash and due from depository institutions
  • $2,357Interest-bearing balances
  • $117,148Securities
  • $9,200Federal funds sold & reverse repurchase agreements
  • $220,779Net loans & leases
  • $8,860Loan loss allowance
  • $0Trading account assets
  • $10,303Bank premises and fixed assets
  • $7,836Other real estate owned
  • $1,752Goodwill and other intangibles
  • $386,167Life insurance assets
  • $9,827All other assets
  • $318,515Total liabilities and capital
  • $221,542Total liabilities
  • $166,571Total deposits
  • $221,542Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 3316.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $90,796Trading liabilities
  • $0Other borrowed funds
  • $2,861Subordinated debt
  • $67,652All other liabilities
  • $67,652Total equity capital
  • $67,652Total bank equity capital
  • $0Perpetual preferred stock
  • $816Common stock
  • $57,463Surplus
  • $9,373Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,631Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,548Income earned, not collected on loans
  • $0Earning assets
  • $1,379Long-term assets (5+ years)
  • $349,484Average Assets, year-to-date
  • $102,998Average Assets, quarterly
  • $373,956Volatile liabilities
  • $384,987Insider loans
  • $270,015FHLB advances
  • $376,424Loans and leases held for sale
  • $612Unused loan commitments
  • $612Tier 1 (core) risk-based capital
  • $65,218Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $33,014Restructured Loans and leases
  • $23,145Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,595Total interest income
  • $1,588Total interest expense
  • $14,007Net interest income
  • $2,350Provision for loan and lease losses
  • $2,660Total noninterest income
  • $0Fiduciary activities
  • $1,016Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,644Additional noninterest income
  • $9,136Total noninterest expense
  • $3,985Salaries and employee benefits
  • $906Premises and equipment expense
  • $4,245Additional noninterest expense
  • $5,181Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,457Applicable income taxes
  • $3,724Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,724Net income attributable to bank
  • $0Net charge-offs
  • $3,724Cash dividends
  • $3,453Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 5.59%Return on equity (ROE)
  • 4.09%Retained earnings to average equity (YTD only)
  • 1.44%Net charge-offs to loans
  • 68.06%Credit loss provision to net charge-offs
  • 2.18%Efficiency ratio
  • 54,785Assets per employee
  • 4.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.85%Loss allowance to loans
  • 3.86%Loss allowance to noncurrent loans
  • 76.72%Noncurrent assets plus other real estate owned to assets
  • 5.02%Noncurrent loans to loans
  • 5.03%Net loans and leases to deposits
  • 99.66%Net loans and leases to core deposits
  • 113.04%Equity capital to assets
  • 17.52%Core capital (leverage) ratio
  • 17.33%Tier 1 risk-based capital ratio
  • 24.15%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $373,956Average earning assets
  • $66,630Average equity
  • $336,986Average loans

List of branches

  • 5 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045783Big Sky Western Bank4150 Valley Commons Drive, Bozeman, MT 59718March 21, 1990Full Service Brick and Mortar
    1289054Gateway Branch7730 Shedhorn Drive, P.O. Box 6579, Bozeman, MT 59771May 30, 1996Full Service Brick and Mortar
    2289055Big Sky Branch55 Lone Peak Drive, Big Sky, MT 59716June 17, 1999Full Service Brick and Mortar
    5429684Bozeman Branch-Downtown Branch106 E. Babcock, Bozeman, MT 59715September 26, 2003Full Service Brick and Mortar
    6466265Belgrade Branch300 Jackrabbit Lane, Belgrade, MT 59714July 31, 2006Full Service Brick and Mortar

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