First Federal Savings and Loan Association of Montana in Hamilton, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 13, 1998

  • First Federal Savings and Loan Association of Montana in Hamilton, Montana (MT)
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First Federal Savings and Loan Association of Montana - Overview

  • General
  • FDIC Certificate #: 28036
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sterling Savings Bank (#32158)
    Federal Reserve ID: 735272
    Date Established: January 01, 1911
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 774
    FDIC's unique #: 40870
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: January 09, 1937
    Last Structure Change Effective Date: November 13, 1998
    Last Structure Change Process Date: Febuary 04, 1999
    Last Data Update: Febuary 04, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 711 South First, Hamilton, MT 59840
    County: Ravalli
    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
  • Financial Summary
  • Total assets: $65.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 15Total employees (full-time equivalent)
  • $62,134Total assets
  • $2,366Cash and due from depository institutions
  • $813Interest-bearing balances
  • $19,785Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $36,158Net loans & leases
  • $527Loan loss allowance
  • $0Trading account assets
  • $1,275Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,550All other assets
  • $62,134Total liabilities and capital
  • $54,632Total liabilities
  • $48,624Total deposits
  • $48,172Interest-bearing deposits
  • $48,624Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $5,000Other borrowed funds
  • $0Subordinated debt
  • $1,008All other liabilities
  • $7,502Total equity capital
  • $7,502Total bank equity capital
  • $7,502Perpetual preferred stock
  • $0Common stock
  • $3Surplus
  • $540Undivided profits
  • Memoranda
  • $6,959Noncurrent loans and leases
  • $0Noncurrent 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)
  • $215Average Assets, year-to-date
  • $56,756Average Assets, quarterly
  • $0Volatile liabilities
  • $61,838Insider loans
  • $62,449FHLB advances
  • $9,910Loans and leases held for sale
  • $695Unused loan commitments
  • $5,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,029Total unused commitments
  • $0Restructured Loans and leases
  • $26,943Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $4,576Total interest income
  • $2,574Total interest expense
  • $2,002Net interest income
  • $32Provision for loan and lease losses
  • $327Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $327Additional noninterest income
  • $1,275Total noninterest expense
  • $695Salaries and employee benefits
  • $291Premises and equipment expense
  • $289Additional noninterest expense
  • $1,022Pre-tax net operating income
  • $0Securities gains (losses)
  • $403Applicable income taxes
  • $619Income before extraordinary items
  • $0Extraordinary gains - net
  • $619Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.05%Yield on earning assets
  • 4.53%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.24%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.65%Pretax return on assets
  • 8.71%Return on equity (ROE)
  • 8.71%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 1066.67%Credit loss provision to net charge-offs
  • 351.33%Efficiency ratio
  • 54,745Assets per employee
  • 4.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.44%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
  • 74.36%Net loans and leases to core deposits
  • 82.71%Equity capital to assets
  • 12.07%Core capital (leverage) ratio
  • 11.69%Tier 1 risk-based capital ratio
  • 26.74%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $61,838Average earning assets
  • $7,106Average equity
  • $56,863Average loans

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