First Bank of Montana in Lewistown, Montana (MT)

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First Bank of Montana routing number info

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First Bank of Montana
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Change in Supervisory Agency
Institution Withdraws from FRS (Federal Reserve System)
Financial SummaryTotal 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)
Total employees (full-time equivalent)39
Total assets$265,821
Cash and due from depository institutions$6,323
Interest-bearing balances$23
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$109,495
Loan loss allowance $2,894
Trading account assets$0
Bank premises and fixed assets$1,200
Other real estate owned$0
Goodwill and other intangibles$13,192
All other assets$5,547
Life insurance assets$265,821
Total liabilities and capital$230,372
Total liabilities$186,362
Total deposits$155,923
Interest-bearing deposits$186,362
Deposits held in domestic offices$83
% insured (estimated)7183.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$35,250
Other borrowed funds $0
Subordinated debt $1,577
All other liabilities $35,449
Total equity capital$35,449
Total bank equity capital$35,449
Perpetual preferred stock$0
Common stock$1,995
Undivided profits $10,014
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 $279
Earning assets $0
Long-term assets (5+ years) $2,084
Average Assets, year-to-date $239,582
Average Assets, quarterly $102,326
Volatile liabilities $250,768
Insider loans $258,492
FHLB advances $151,244
Loans and leases held for sale $250,199
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $20,854
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $32,540
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,352
Total interest expense $1,303
Net interest income $8,049
Provision for loan and lease losses $0
Total noninterest income $877
Fiduciary activities $0
Service charges on deposit accounts $311
Trading account gains & fees $0
Additional noninterest income $566
Total noninterest expense $3,528
Salaries and employee benefits $1,317
Premises and equipment expense $333
Additional noninterest expense $1,878
Pre-tax net operating income $5,398
Securities gains (losses) $0
Applicable income taxes $1,508
Income before extraordinary items $3,890
Extraordinary gains - net $0
Net income attributable to bank $3,890
Net charge-offs $0
Cash dividends $3,890
Sale, conversion, retirement of capital stock, net $125
Net operating income $2,800
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.13%
Cost of funding earning assets 0.58%
Net interest margin 3.55%
Noninterest income to earning assets 0.39%
Noninterest expense to earning assets 1.56%
Net operating income to assets 1.55%
Return on assets (ROA) 1.55%
Pretax return on assets 2.15%
Return on equity (ROE) 11.30%
Retained earnings to average equity (YTD only) 3.17%
Net charge-offs to loans 0.11%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio43.18%
Assets per employee$36,545
Cash dividends to net income (YTD only)6.82%
Condition Ratios (%)
Loss allowance to loans 71.98%
Loss allowance to noncurrent loans 2.57%
Noncurrent assets plus other real estate owned to assets 1037.28%
Noncurrent loans to loans 0.10%
Net loans and leases to deposits0.25%
Net loans and leases to core deposits 58.75%
Equity capital to assets 70.88%
Core capital (leverage) ratio 13.34%
Tier 1 risk-based capital ratio 8.33%
Total risk-based capital ratio 13.79%
Average assets$15
Average earning assets$250,768
Average equity $34,439
Average loans $226,505
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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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