First Security Bank of Deer Lodge in Deer Lodge, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Security Bank of Deer Lodge - Overview

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    014260First Security Bank Of Deer Lodge311 Milwaukee Avenue, Deer Lodge, MT 59722April 10, 1972Full Service Brick and Mortar

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