First Security Bank in Bozeman, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Security Bank in Bozeman, Montana (MT)
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First Security Bank - Overview

  • General
  • FDIC Certificate #: 1520
    Status: Active
    Federal Reserve ID: 633154
    Bank Holding Company (Regulatory Top Holder): Inter-Mountain Bancorp., Inc. (RSSDID: 1122075, Location: Bozeman, MT)
    Date Established: October 19, 1919
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 14722
    FDIC's unique #: 1003
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 208 East Main Street, Bozeman, MT 59715
    County: Gallatin
    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): Bozeman, MT (#14580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $565.8 mil
    Equity capital: $61.5 mil
    Deposits held in domestic offices: $494.4 mil
    Return on assets (ROA): 0.67% ($3.8 mil)
    Quarterly return on assets: 0.48% ($2.7 mil)
    Return on Equity (ROE): 6.52% ($4.0 mil)
    Quarterly return on equity: 4.45% ($2.7 mil)
    Net income: $3.9 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.67% ($3,790.9 mil)
    Quarterly Pretax return on assets: 0.48% ($2,715.8 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
  • 135Total employees (full-time equivalent)
  • $565,802Total assets
  • $37,011Cash and due from depository institutions
  • $27,144Interest-bearing balances
  • $156,443Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $328,521Net loans & leases
  • $7,892Loan loss allowance
  • $0Trading account assets
  • $28,103Bank premises and fixed assets
  • $2,327Other real estate owned
  • $7,619Goodwill and other intangibles
  • $565,802Life insurance assets
  • $5,778All other assets
  • $504,317Total liabilities and capital
  • $494,400Total liabilities
  • $355,103Total deposits
  • $494,400Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 7087.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,705Trading liabilities
  • $0Other borrowed funds
  • $1,125Subordinated debt
  • $61,485All other liabilities
  • $61,485Total equity capital
  • $61,485Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $35,757Surplus
  • $22,728Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $20,247Income earned, not collected on loans
  • $0Earning assets
  • $2,979Long-term assets (5+ years)
  • $512,108Average Assets, year-to-date
  • $49,281Average Assets, quarterly
  • $572,828Volatile liabilities
  • $564,421Insider loans
  • $376,550FHLB advances
  • $562,087Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $52,992Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $59,199Restructured Loans and leases
  • $13,917Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,971Total interest income
  • $1,876Total interest expense
  • $20,095Net interest income
  • $3,300Provision for loan and lease losses
  • $2,865Total noninterest income
  • $10Fiduciary activities
  • $1,027Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,828Additional noninterest income
  • $16,167Total noninterest expense
  • $8,797Salaries and employee benefits
  • $2,635Premises and equipment expense
  • $4,735Additional noninterest expense
  • $3,493Pre-tax net operating income
  • $362Securities gains (losses)
  • $0Applicable income taxes
  • $3,855Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,855Net income attributable to bank
  • $0Net charge-offs
  • $3,855Cash dividends
  • $2,812Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.23%Yield on earning assets
  • 0.36%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 6.52%Return on equity (ROE)
  • 6.52%Retained earnings to average equity (YTD only)
  • 0.81%Net charge-offs to loans
  • 117.35%Credit loss provision to net charge-offs
  • 2.42%Efficiency ratio
  • 70,414Assets per employee
  • 4.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.35%Loss allowance to noncurrent loans
  • 38.98%Noncurrent assets plus other real estate owned to assets
  • 3.99%Noncurrent loans to loans
  • 6.02%Net loans and leases to deposits
  • 66.45%Net loans and leases to core deposits
  • 68.53%Equity capital to assets
  • 10.87%Core capital (leverage) ratio
  • 9.43%Tier 1 risk-based capital ratio
  • 14.07%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $572,828Average earning assets
  • $59,120Average equity
  • $519,024Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,551Managed Assets
  • 1Number of Accounts
  • $1,551Personal trust and agency accounts
  • $1,551Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 8Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 9 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01003First Security Bank208 East Main Street, Bozeman, MT 59715October 19, 1919Full Service Brick and Mortar
    1189667South 19th Ave Branch670 S. 19th Avenue, Bozeman, MT 59715March 31, 1994Full Service Brick and Mortar
    2189668Van's Iga/County Market Branch912 North Seventh Avenue, Bozeman, MT 59715December 09, 1997Full Service Retail
    357027Belgrade Branch511 West Main Street, Belgrade, MT 59714April 01, 1997Full Service Brick and Mortar
    412226Three Forks Branch320 South Main Street, Three Forks, MT 59752November 14, 1960Full Service Brick and Mortar
    513392West Yellowstone Branch106 South Electric, West Yellowstone, MT 59758June 06, 1966Full Service Brick and Mortar
    71329Fort Benton Branch1502-1504 Main Street, Fort Benton, MT 59442January 01, 1916Full Service Brick and Mortar
    8452509Cottonwood Branch642 Cottonwood Road, Bozeman, MT 59718June 05, 2006Full Service Brick and Mortar
    9452510Big Sky Branch78 Meadow Village Drive, Big Sky, MT 59716December 19, 2005Full Service Brick and Mortar

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