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

First Bank of Montana - Overview

  • General
  • FDIC Certificate #: 2191
    Status: Active
    Federal Reserve ID: 649650
    Bank Holding Company (Regulatory Top Holder): Glacier Bancorp, Inc. (RSSDID: 2003975, Location: Kalispell, MT)
    Date Established: December 15, 1924
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 14228
    FDIC's unique #: 1451
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 19, 2011
    Last Structure Change Process Date: May 11, 2011
    Last Data Update: May 11, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 224 West Main Street, Lewistown, MT 59457
    County: Fergus
    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
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Withdraws from FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $265.8 mil
    Equity capital: $35.4 mil
    Deposits held in domestic offices: $186.4 mil
    Return on assets (ROA): 1.55% ($4.1 mil)
    Quarterly return on assets: 1.57% ($4.2 mil)
    Return on Equity (ROE): 11.30% ($4.0 mil)
    Quarterly return on equity: 11.44% ($4.0 mil)
    Net income: $3.9 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 2.15% ($5,715.2 mil)
    Quarterly Pretax return on assets: 2.23% ($5,927.8 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
  • 39Total employees (full-time equivalent)
  • $265,821Total assets
  • $6,323Cash and due from depository institutions
  • $23Interest-bearing balances
  • $130,064Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $109,495Net loans & leases
  • $2,894Loan loss allowance
  • $0Trading account assets
  • $1,200Bank premises and fixed assets
  • $0Other real estate owned
  • $13,192Goodwill and other intangibles
  • $265,821Life insurance assets
  • $5,547All other assets
  • $230,372Total liabilities and capital
  • $186,362Total liabilities
  • $155,923Total deposits
  • $186,362Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 7183.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $35,250Trading liabilities
  • $0Other borrowed funds
  • $1,577Subordinated debt
  • $35,449All other liabilities
  • $35,449Total equity capital
  • $35,449Total bank equity capital
  • $0Perpetual preferred stock
  • $1,995Common stock
  • $23,440Surplus
  • $10,014Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $279Income earned, not collected on loans
  • $0Earning assets
  • $2,084Long-term assets (5+ years)
  • $239,582Average Assets, year-to-date
  • $102,326Average Assets, quarterly
  • $250,768Volatile liabilities
  • $258,492Insider loans
  • $151,244FHLB advances
  • $250,199Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,854Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $32,540Restructured Loans and leases
  • $3,813Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,352Total interest income
  • $1,303Total interest expense
  • $8,049Net interest income
  • $0Provision for loan and lease losses
  • $877Total noninterest income
  • $0Fiduciary activities
  • $311Service charges on deposit accounts
  • $0Trading account gains & fees
  • $566Additional noninterest income
  • $3,528Total noninterest expense
  • $1,317Salaries and employee benefits
  • $333Premises and equipment expense
  • $1,878Additional noninterest expense
  • $5,398Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,508Applicable income taxes
  • $3,890Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,890Net income attributable to bank
  • $0Net charge-offs
  • $3,890Cash dividends
  • $125Sale, conversion, retirement of capital stock, net
  • $2,800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.13%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 1.56%Noninterest expense to earning assets
  • 1.55%Net operating income to assets
  • 1.55%Return on assets (ROA)
  • 2.15%Pretax return on assets
  • 11.30%Return on equity (ROE)
  • 3.17%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 43.18%Efficiency ratio
  • 36,545Assets per employee
  • 6.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.98%Loss allowance to loans
  • 2.57%Loss allowance to noncurrent loans
  • 1037.28%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 58.75%Net loans and leases to core deposits
  • 70.88%Equity capital to assets
  • 13.34%Core capital (leverage) ratio
  • 8.33%Tier 1 risk-based capital ratio
  • 13.79%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $250,768Average earning assets
  • $34,439Average equity
  • $226,505Average loans

List of branches

  • 2 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01451First Bank Of Montana224 West Main Street, Lewistown, MT 59457December 15, 1924Full Service Brick and Mortar
    11434Chinook Office Branch337 Indiana Street, Chinook, MT 59523November 20, 1933Full Service Brick and Mortar

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