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

First Security Bank of Helena - Overview

  • General
  • FDIC Certificate #: 20162
    Status: Active
    Federal Reserve ID: 647955
    Bank Holding Company (Regulatory Top Holder): F.S.b. Holding Company (RSSDID: 1125478, Location: Helena, MT)
    Date Established: April 13, 1970
    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 #: 13855
    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: April 13, 1970
    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: 1721 11th Avenue, Helena, MT 59601
    County: Lewis And Clark
    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): Helena, MT (#25740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $42.6 mil
    Equity capital: $4.5 mil
    Deposits held in domestic offices: $37.2 mil
    Return on assets (ROA): -0.33% (-$0.1 mil)
    Quarterly return on assets: -4.35% (-$1.9 mil)
    Return on Equity (ROE): -3.00% (-$0.1 mil)
    Quarterly return on equity: -39.81% (-$1.6 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -0.33% (-$140.6 mil)
    Quarterly Pretax return on assets: -4.35% (-$1,852.7 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
  • 11Total employees (full-time equivalent)
  • $42,591Total assets
  • $3,496Cash and due from depository institutions
  • $2,727Interest-bearing balances
  • $2,103Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $34,258Net loans & leases
  • $575Loan loss allowance
  • $0Trading account assets
  • $1,187Bank premises and fixed assets
  • $230Other real estate owned
  • $0Goodwill and other intangibles
  • $42,591Life insurance assets
  • $1,317All other assets
  • $38,133Total liabilities and capital
  • $37,218Total liabilities
  • $29,280Total deposits
  • $37,218Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 695.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $220Subordinated debt
  • $4,458All other liabilities
  • $4,458Total equity capital
  • $4,458Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $3,400Surplus
  • $458Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,759Income earned, not collected on loans
  • $0Earning assets
  • $190Long-term assets (5+ years)
  • $39,088Average Assets, year-to-date
  • $13,982Average Assets, quarterly
  • $42,987Volatile liabilities
  • $42,926Insider loans
  • $29,751FHLB advances
  • $43,264Loans and leases held for sale
  • $714Unused loan commitments
  • $714Tier 1 (core) risk-based capital
  • $4,452Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,078Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,554Total interest income
  • $484Total interest expense
  • $2,070Net interest income
  • $610Provision for loan and lease losses
  • $131Total noninterest income
  • $0Fiduciary activities
  • $106Service charges on deposit accounts
  • $0Trading account gains & fees
  • $25Additional noninterest income
  • $1,732Total noninterest expense
  • $993Salaries and employee benefits
  • $216Premises and equipment expense
  • $523Additional noninterest expense
  • -$141Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$141Income before extraordinary items
  • $0Extraordinary gains - net
  • -$141Net income attributable to bank
  • $0Net charge-offs
  • -$141Cash dividends
  • $520Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.41%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 5.20%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 4.35%Noninterest expense to earning assets
  • -0.33%Net operating income to assets
  • -0.33%Return on assets (ROA)
  • -0.33%Pretax return on assets
  • -3.00%Return on equity (ROE)
  • -3.00%Retained earnings to average equity (YTD only)
  • 1.43%Net charge-offs to loans
  • 117.31%Credit loss provision to net charge-offs
  • 0.90%Efficiency ratio
  • 78,692Assets per employee
  • 3.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 32.69%Noncurrent assets plus other real estate owned to assets
  • 4.67%Noncurrent loans to loans
  • 5.05%Net loans and leases to deposits
  • 92.05%Net loans and leases to core deposits
  • 101.36%Equity capital to assets
  • 10.47%Core capital (leverage) ratio
  • 10.29%Tier 1 risk-based capital ratio
  • 14.96%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $42,987Average earning assets
  • $4,698Average equity
  • $39,845Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013855First Security Bank Of Helena1721 11th Avenue, Helena, MT 59601April 13, 1970Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First Security Bank of Helena.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents