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
    WWW: http://www.fsb-hln.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 #: 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

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