FDIC Certificate #: 20657 Status: Active Federal Reserve ID: 670654 Bank Holding Company (Regulatory Top Holder): First Security Group (RSSDID: 2880662, Location: Deer Lodge, MT) Date Established: April 10, 1972 WWW:http://www.1stsecuritydl.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 14260 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: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: April 10, 1972 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: 311 Milwaukee Avenue, Deer Lodge, MT 59722 County: Powell 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 Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $28.2 mil Equity capital: $2.7 mil Deposits held in domestic offices: $25.4 mil Return on assets (ROA): 0.34% ($0.1 mil) Quarterly return on assets: -0.38% (-$0.1 mil) Return on Equity (ROE): 3.78% ($0.1 mil) Quarterly return on equity: -3.99% (-$0.1 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.41% ($115.7 mil) Quarterly Pretax return on assets: -1.00% (-$282.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
12Total employees (full-time equivalent)
$28,230Total assets
$9,140Cash and due from depository institutions
$7,264Interest-bearing balances
$966Securities
$0Federal funds sold & reverse repurchase agreements
$17,334Net loans & leases
$152Loan loss allowance
$0Trading account assets
$93Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$28,230Life insurance assets
$697All other assets
$25,486Total liabilities and capital
$25,420Total liabilities
$18,484Total deposits
$25,420Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$66Subordinated debt
$2,744All other liabilities
$2,744Total equity capital
$2,744Total bank equity capital
$0Perpetual preferred stock
$225Common stock
$1,675Surplus
$844Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$48Income earned, not collected on loans
$0Earning assets
$107Long-term assets (5+ years)
$25,564Average Assets, year-to-date
$8,257Average Assets, quarterly
$28,740Volatile liabilities
$28,082Insider loans
$16,982FHLB advances
$28,523Loans and leases held for sale
$419Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,740Tier 2 risk-based capital
$0Total risk weighted assets
$419Total unused commitments
$983Restructured Loans and leases
$404Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,155Total interest income
$120Total interest expense
$1,035Net interest income
$331Provision for loan and lease losses
$281Total noninterest income
$0Fiduciary activities
$118Service charges on deposit accounts
$0Trading account gains & fees
$163Additional noninterest income
$866Total noninterest expense
$533Salaries and employee benefits
$69Premises and equipment expense
$264Additional noninterest expense
$119Pre-tax net operating income
$0Securities gains (losses)
$20Applicable income taxes
$99Income before extraordinary items
$0Extraordinary gains - net
$99Net income attributable to bank
$0Net charge-offs
$99Cash dividends
$247Sale, conversion, retirement of capital stock, net
$116Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.55%Yield on earning assets
0.47%Cost of funding earning assets
4.08%Net interest margin
1.11%Noninterest income to earning assets
3.41%Noninterest expense to earning assets
0.34%Net operating income to assets
0.34%Return on assets (ROA)
0.41%Pretax return on assets
3.78%Return on equity (ROE)
-0.65%Retained earnings to average equity (YTD only)
1.49%Net charge-offs to loans
134.01%Credit loss provision to net charge-offs
1.82%Efficiency ratio
65,805Assets per employee
2.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
117.17%Loss allowance to loans
0.87%Loss allowance to noncurrent loans
316.67%Noncurrent assets plus other real estate owned to assets
0.17%Noncurrent loans to loans
0.27%Net loans and leases to deposits
68.19%Net loans and leases to core deposits
72.21%Equity capital to assets
9.72%Core capital (leverage) ratio
9.61%Tier 1 risk-based capital ratio
16.13%Total risk-based capital ratio
Memoranda
$17Average assets
$28,740Average earning assets
$2,619Average equity
$25,381Average loans
List of branches
1 Montana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
14260
First Security Bank Of Deer Lodge
311 Milwaukee Avenue, Deer Lodge, MT 59722
April 10, 1972
Full Service Brick and Mortar
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