First Interstate Bank in Billings, Montana (MT), SD, WY

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First Interstate Bank
GeneralFDIC Certificate #: 1105
Status: Active
Federal Reserve ID: 659855
Bank Holding Company (Regulatory Top Holder): First Interstate Bancsystem, Inc. (RSSDID: 1123670, Location: Billings, MT)
Date Established: October 09, 1916
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 76 (Domestic: 76, Interstate: Yes)
OTS Docket #: 11071
FDIC's unique #: 748
Numeric code: 13
Regulator: FED
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: January 01, 1934
Last Structure Change Effective Date: September 26, 2009
Last Structure Change Process Date: October 09, 2009
Last Data Update: October 09, 2009
Data Source Date: April 05, 2012
LocationAddress: 401 North 31st Street, Billings, MT 59101
County: Yellowstone
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
Metropolitan Statistical Area (MSA): Billings, MT (#880)
Core Based Statistical Area (CBSA): Billings, MT (#13740)
CBSA Metro Statistical Area: Billings, MT (#13740)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $7,294.7 mil
Equity capital: $775.0 mil
Deposits held in domestic offices: $5,827.2 mil
Return on assets (ROA): 0.76% ($55.4 mil)
Quarterly return on assets: 0.90% ($65.7 mil)
Return on Equity (ROE): 7.31% ($56.7 mil)
Quarterly return on equity: 8.52% ($66.0 mil)
Net income: $55.4 mil
Quarterly Net income: $16.5 mil
Pretax return on assets: 1.14% ($83,160.1 mil)
Quarterly Pretax return on assets: 1.38% ($100,667.5 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)1,571
Total assets$7,294,743
Cash and due from depository institutions$472,132
Interest-bearing balances$339,007
Federal funds sold & reverse repurchase agreements$309
Net loans & leases$4,071,103
Loan loss allowance $112,581
Trading account assets$0
Bank premises and fixed assets$179,470
Other real estate owned$37,452
Goodwill and other intangibles$201,298
All other assets$162,849
Life insurance assets$7,294,743
Total liabilities and capital$6,519,717
Total liabilities$5,827,225
Total deposits$4,555,414
Interest-bearing deposits$5,827,225
Deposits held in domestic offices$80
% insured (estimated)647945.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,240
Other borrowed funds $15,000
Subordinated debt $27,307
All other liabilities $775,026
Total equity capital$775,026
Total bank equity capital$775,026
Perpetual preferred stock$0
Common stock$50,000
Undivided profits $329,803
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $53,521
Income earned, not collected on loans $204,483
Earning assets $161
Long-term assets (5+ years) $31,974
Average Assets, year-to-date $6,580,549
Average Assets, quarterly $697,578
Volatile liabilities $7,323,661
Insider loans $7,286,183
FHLB advances $4,812,338
Loans and leases held for sale $7,133,957
Unused loan commitments $66,537
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $588,059
Total risk weighted assets $66,537
Total unused commitments $0
Restructured Loans and leases $1,049,796
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $293,939
Total interest expense $34,876
Net interest income $259,063
Provision for loan and lease losses $58,151
Total noninterest income $78,221
Fiduciary activities $10,886
Service charges on deposit accounts $20,140
Trading account gains & fees $0
Additional noninterest income $47,195
Total noninterest expense $197,098
Salaries and employee benefits $97,387
Premises and equipment expense $27,432
Additional noninterest expense $72,279
Pre-tax net operating income $82,035
Securities gains (losses) $1,544
Applicable income taxes $28,133
Income before extraordinary items $55,446
Extraordinary gains - net $0
Net income attributable to bank $55,446
Net charge-offs $0
Cash dividends $55,446
Sale, conversion, retirement of capital stock, net $66,050
Net operating income $30,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.44%
Cost of funding earning assets 0.53%
Net interest margin 3.92%
Noninterest income to earning assets 1.18%
Noninterest expense to earning assets 2.98%
Net operating income to assets 0.74%
Return on assets (ROA) 0.76%
Pretax return on assets 1.14%
Return on equity (ROE) 7.31%
Retained earnings to average equity (YTD only) 3.35%
Net charge-offs to loans 1.55%
Credit loss provision to net charge-offs 88.04%
Efficiency ratio2.12%
Assets per employee$58,008
Cash dividends to net income (YTD only)4.64%
Condition Ratios (%)
Loss allowance to loans 54.11%
Loss allowance to noncurrent loans 2.69%
Noncurrent assets plus other real estate owned to assets 55.06%
Noncurrent loans to loans 3.32%
Net loans and leases to deposits4.89%
Net loans and leases to core deposits 69.86%
Equity capital to assets 75.06%
Core capital (leverage) ratio 10.62%
Tier 1 risk-based capital ratio 8.24%
Total risk-based capital ratio 12.22%
Average assets$14
Average earning assets$7,323,661
Average equity $758,589
Average loans $6,615,712
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,839,747
Number of Accounts1
Personal trust and agency accounts$1,421,973
Employee benefit-defined contribution accounts$639,936
Employee benefit-defined benefit accounts$40,743
Other retirement accounts$3,872
Corporate trust and agency accounts$101,294
Investment management agency accounts$0
Other fiduciary accounts$508,478
Fiduciary accounts held in foreign offices$127,650
Non-managed Assets$0
Number of Accounts1845
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$99,481
Employee benefit-defined benefit accounts$0
Other retirement accounts$417,774
Corporate trust and agency accounts$9,100
Other fiduciary accounts$398,710
Fiduciary accounts held in foreign offices$490
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38 Montana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0748First Interstate Bank401 North 31st Street, Billings, MT 59101October 09, 1916Full Service Brick and Mortar
1187910Billings Drive-Up Branch302 North 31st Street, Billings, MT 59102August 01, 1974Limited Service Facility
216118Billings Heights Branch730 Main Street, Billings, MT 59107January 04, 1980Full Service Brick and Mortar
315615Billings West Branch2501 Central Avenue, Billings, MT 59107Febuary 14, 1977Full Service Brick and Mortar
415276Colstrip Branch6210 Main Street, Colstrip, MT 59323May 15, 1975Full Service Brick and Mortar
510425Hardin Branch402 North Center Avenue, Hardin, MT 59034January 01, 1945Full Service Brick and Mortar
6237633Hardin Drive-Up Branch4th Street And Cody Avenue, Hardin, MT 59034January 30, 1974Limited Service Facility
715016Miles City Branch1115 Main Street, Miles City, MT 59301July 15, 1974Full Service Brick and Mortar
81454Missoula Downtown Branch101 East Front Street, Missoula, MT 59801April 13, 1873Full Service Brick and Mortar
9192034Missoula Drive-Up Branch301 East Front Street, Missoula, MT 59801September 01, 1976Limited Service Facility
1047947Missoula South Branch3502 Brooks, Missoula, MT 59801November 30, 1992Full Service Brick and Mortar
11187911Billings Grand Branch3199 Grand Avenue, Billings, MT 59102January 04, 1995Full Service Brick and Mortar
12187912Missoula North Branch2500 North Reserve, Missoula, MT 59802January 23, 1995Full Service Brick and Mortar
1316387Bozeman West Branch2800 West Main, Bozeman, MT 59715April 01, 1981Full Service Brick and Mortar
141452Livingston Branch207 West Callendar, Livingston, MT 59047January 01, 1883Full Service Brick and Mortar
15192033Gardiner BranchU.S. Route 89 North, Gardiner, MT 59030January 14, 1991Full Service Brick and Mortar
161449Kalispell Branch2 Main Street, Kalispell, MT 59901April 15, 1891Full Service Brick and Mortar
17192031Kalispell Drive-Up Branch112 East Montana Street, Kalispell, MT 59901May 16, 1977Limited Service Facility
19752Great Falls 10th Ave Branch2601 10th Ave South, Great Falls, MT 59404August 28, 1933Full Service Brick and Mortar
2013092Whitefish Branch306 Spokane Avenue, Whitefish, MT 59937November 09, 1964Full Service Brick and Mortar
21187913Eureka Branch508 Highway 93 North, Eureka, MT 59917September 11, 1997Full Service Brick and Mortar
2257019Hamilton Branch1501 N First, Hamilton, MT 59840December 10, 1996Full Service Brick and Mortar
23187914Bozeman Msu Branch228 Strand Union Building, Bozeman, MT 59717August 04, 1997Full Service Brick and Mortar
25187916Great Falls Market Place Drive Up Br1401 Market Place Drive, Great Falls, MT 59404June 29, 1998Limited Service Facility
26187917Evergreen Branch100 East Cottonwood Drive, Kalispell, MT 59903June 21, 1997Full Service Brick and Mortar
27187918Great Falls Downtown Branch211 5th Street North, Great Falls, MT 59401June 21, 1997Full Service Brick and Mortar
29181573Belgrade Branch7001 Jackrabbit Ln, Belgrade, MT 59714Febuary 18, 1998Full Service Brick and Mortar
30286Polson BranchMain Street, Polson, MT 59860May 31, 1910Full Service Brick and Mortar
33358100Lame Deer Branch502 Cheyenne Avneue, Lame Deer, MT 59043October 13, 1999Full Service Brick and Mortar
34358101Missoula Albertsons Branch3800 South Russell, Missoula, MT 59801October 13, 1999Full Service Retail
36359352Helena Branch3401 North Montana Avenue, Helena, MT 59602October 03, 2000Full Service Brick and Mortar
37359496Bozeman Gallatin Center Branch2023 Burke Street, Bozeman, MT 59718December 26, 2000Full Service Brick and Mortar
651457Red Lodge Branch602 North Broadway, Red Lodge, MT 59068September 10, 1910Full Service Brick and Mortar
68433226Bozeman Main Branch202 West Main Street, Bozeman, MT 59715October 27, 2004Full Service Brick and Mortar
69465855Kalispell North Branch100 Hutton Ranch Rd, Kalispell, MT 59901June 28, 2007Full Service Brick and Mortar
70480445Bigfork Branch8111 Montana Hwy 35, Bigfork, MT 59911January 16, 2008Full Service Brick and Mortar
71493587Helena Capital Branch1600 11th Ave #121, Helena, MT 59601Febuary 23, 2009Full Service Retail Branch401 North 31st St, Billings, MT 59101January 01, 2010Full Service Cyber
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19 South Dakota Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
72353Wall Branch418 Main Street, Wall, SD 57790January 01, 1908Full Service Brick and Mortar
73181719New Underwood Branch404 S A Ave, New Underwood, SD 57761January 02, 1941Full Service Brick and Mortar
74189985Hot Springs Branch343 South Chicago Street, Hot Springs, SD 57747June 01, 1985Full Service Brick and Mortar
758026Edgemont Branch501 Second Avenue, Edgemont, SD 57735January 01, 1890Full Service Brick and Mortar
76424605Hot Springs Drive Up Branch509 6th Street, Hot Springs, SD 57747Febuary 01, 1991Limited Service Facility
7714608Rapid City Gateway Branch333 West Boulevard, Rapid City, SD 57701June 25, 1973Full Service Brick and Mortar
78252283Rapid City Drive Up Branch650 Flormann Street, Rapid City, SD 57701May 16, 1977Limited Service Facility
79363971Rapid City East Branch711 N Creek Dr, Rapid City, SD 57703May 17, 2002Full Service Brick and Mortar
801108Custer Main Branch648 Mt. Rushmore Road, Custer, SD 57730January 01, 1906Full Service Brick and Mortar
81238017Hill City Branch351 East Main Street, Hill City, SD 57745October 17, 1952Full Service Brick and Mortar
82189986Custer Drive Up Branch40 North Fifth Street, Custer, SD 57730December 07, 1998Limited Service Facility
8335918Sturgis Branch1200 Main Street, Sturgis, SD 57785September 05, 1986Full Service Brick and Mortar
8416052Belle Fourche Branch41 Fifth Avenue, Belle Fourche, SD 57717September 04, 1979Full Service Brick and Mortar
8517035Spearfish Main Branch1400 North Avenue, Spearfish, SD 57783June 07, 1983Full Service Brick and Mortar
86260139Deadwood Branch696 Main Street, Deadwood, SD 57732November 23, 1990Full Service Brick and Mortar
87260140Deadwood Drive Up Branch152 Sherman Street, Deadwood, SD 57732September 06, 1994Limited Service Facility
88365220Piedmont Branch8071 Stagestop Road, Summerset, SD 57718May 01, 2002Full Service Brick and Mortar
89446038Spearfish Lookout Mtn Branch311 North 27th Street, Spearfish, SD 57783November 15, 2005Full Service Brick and Mortar
90510424Lead Branch145 Glendale Dr Suite 4, Lead, SD 57754July 02, 2009Full Service Brick and Mortar
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19 Wyoming Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
42375Sheridan Downtown Branch4 South Main Street, Sheridan, WY 82801May 16, 1893Full Service Brick and Mortar
4315983Buffalo Branch40 East Hart Street, Buffalo, WY 82834May 31, 1979Full Service Brick and Mortar
4416421Gillette South Branch2201 South Douglas Highway, Gillette, WY 82716June 08, 1981Full Service Brick and Mortar
455552Gillette Downtown Branch222 Gillette Avenue, Gillette, WY 82716January 07, 1907Full Service Brick and Mortar
4715110Sheridan Sugarland Branch1613 Coffeen Avenue, Sheridan, WY 82801November 06, 1974Full Service Brick and Mortar
481465Casper Downtown Branch104 South Wolcott Street, Casper, WY 82601June 10, 1889Full Service Brick and Mortar
491474Laramie Branch221 Ivinson Street, Laramie, WY 82070May 17, 1873Full Service Brick and Mortar
508903Riverton Branch323 East Main Street, Riverton, WY 82501April 12, 1934Full Service Brick and Mortar
51181747Casper East Branch521 Southeast Wyoming Boulevard, Casper, WY 82609November 10, 1997Full Service Brick and Mortar
53181749Casper Albertson's Branch1076 Cy Avenue, Casper, WY 82604November 01, 1998Full Service Retail
54181750Laramie West Branch1771 Snowy Range Road, Laramie, WY 82070April 01, 1999Full Service Brick and Mortar
55357906Jackson Albertsons Branch105 Buffalo Way, Jackson Hole, WY 83002January 18, 2000Full Service Retail
5615724Cheyenne Main Branch401 West 19th Street, Cheyenne, WY 82001November 07, 1977Full Service Brick and Mortar
57254870Casper Mills Branch300 Southwest Wyoming Boulevard, Mills, WY 82644June 01, 1998Full Service Brick and Mortar
59359523Jackson Main Branch842 West Broadway, Jackson, WY 83001March 12, 2001Full Service Brick and Mortar
61361860Lander Main Branch8118 Highway 79, Lander, WY 82520August 06, 2001Full Service Brick and Mortar
63364687Cheyenne Dell Range Branch4612 Rue Terre, Cheyenne, WY 82009April 16, 2002Full Service Brick and Mortar
66419663Laramie Uw BranchStudent Union Building Po Box 1307, Laramie, WY 82073November 25, 2002Full Service Brick and Mortar
67419664Jackson Downtown Branch120 East Broadway Po Box 11095, Jackson, WY 83002April 07, 2003Full Service Brick and Mortar
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