First Citizens Bank, National Association - Overview
General
FDIC Certificate #: 26682 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Glacier Bank (#30788) Federal Reserve ID: 669359 Date Established: May 30, 1986 WWW:http://www.fcbcf.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 5 (Interstate: No) FDIC's unique #: 35700 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: May 30, 1986 Last Structure Change Effective Date: January 27, 2007 Last Structure Change Process Date: Febuary 22, 2007 Last Data Update: Febuary 22, 2007 Data Source Date: April 05, 2012
Location
Address: 540 Nucleus Avenue, Columbia Falls, MT 59912 County: Flathead 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): Kalispell, MT (#28060) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $45.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
16Total employees (full-time equivalent)
$45,275Total assets
$3,919Cash and due from depository institutions
$0Interest-bearing balances
$1Securities
$2,729Federal funds sold & reverse repurchase agreements
$30,023Net loans & leases
$553Loan loss allowance
$0Trading account assets
$2,641Bank premises and fixed assets
$0Other real estate owned
$5,580Goodwill and other intangibles
$0Life insurance assets
$382All other assets
$45,275Total liabilities and capital
$34,417Total liabilities
$33,532Total deposits
$25,825Interest-bearing deposits
$33,532Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$885All other liabilities
$10,858Total equity capital
$10,858Total bank equity capital
$10,858Perpetual preferred stock
$0Common stock
$1,000Surplus
$7,252Undivided profits
Memoranda
$2,606Noncurrent loans and leases
$2,053Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$193Average Assets, year-to-date
$32,753Average Assets, quarterly
$2,964Volatile liabilities
$47,866Insider loans
$42,925FHLB advances
$4,422Loans and leases held for sale
$651Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,053Total unused commitments
$0Restructured Loans and leases
$413Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$746Total interest income
$172Total interest expense
$574Net interest income
$0Provision for loan and lease losses
$147Total noninterest income
$0Fiduciary activities
$40Service charges on deposit accounts
$0Trading account gains & fees
$107Additional noninterest income
$484Total noninterest expense
$229Salaries and employee benefits
$111Premises and equipment expense
$144Additional noninterest expense
$237Pre-tax net operating income
$0Securities gains (losses)
$100Applicable income taxes
$137Income before extraordinary items
$0Extraordinary gains - net
$137Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.80%Yield on earning assets
0.42%Cost of funding earning assets
1.39%Net interest margin
0.35%Noninterest income to earning assets
1.17%Noninterest expense to earning assets
0.29%Net operating income to assets
0.29%Return on assets (ROA)
0.50%Pretax return on assets
2.30%Return on equity (ROE)
2.30%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
67,129Assets per employee
2.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.81%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
89.54%Net loans and leases to core deposits
103.14%Equity capital to assets
23.98%Core capital (leverage) ratio
15.08%Tier 1 risk-based capital ratio
16.04%Total risk-based capital ratio
Memoranda
$17Average assets
$47,866Average earning assets
$5,969Average equity
$41,436Average loans
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