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


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

  • General
  • FDIC Certificate #: 21010
    Status: Active
    Federal Reserve ID: 652351
    Bank Holding Company (Regulatory Top Holder): Glacier Bancorp, Inc. (RSSDID: 2003975, Location: Kalispell, MT)
    Date Established: March 29, 1973
    WWW: http://www.fsbmsla.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 13201
    FDIC's unique #: 14513
    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: March 29, 1973
    Last Structure Change Effective Date: April 19, 2011
    Last Structure Change Process Date: May 11, 2011
    Last Data Update: May 11, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1704 Dearborn Avenue, Missoula, MT 59801
    County: Missoula
    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
    Metropolitan Statistical Area (MSA): Missoula, MT (#5140)
    Core Based Statistical Area (CBSA): Missoula, MT (#33540)
    CBSA Metro Statistical Area: Missoula, MT (#33540)
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Withdraws from FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $1,103.5 mil
    Equity capital: $136.8 mil
    Deposits held in domestic offices: $732.7 mil
    Return on assets (ROA): 1.11% ($12.3 mil)
    Quarterly return on assets: 1.16% ($12.8 mil)
    Return on Equity (ROE): 9.18% ($12.6 mil)
    Quarterly return on equity: 9.37% ($12.8 mil)
    Net income: $11.9 mil
    Quarterly Net income: $3.2 mil
    Pretax return on assets: 1.39% ($15,339.3 mil)
    Quarterly Pretax return on assets: 1.54% ($16,994.6 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
  • 185Total employees (full-time equivalent)
  • $1,103,547Total assets
  • $16,299Cash and due from depository institutions
  • $102Interest-bearing balances
  • $456,246Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $552,797Net loans & leases
  • $22,457Loan loss allowance
  • $0Trading account assets
  • $16,128Bank premises and fixed assets
  • $17,723Other real estate owned
  • $19,099Goodwill and other intangibles
  • $1,103,547Life insurance assets
  • $25,255All other assets
  • $966,712Total liabilities and capital
  • $732,672Total liabilities
  • $615,970Total deposits
  • $732,672Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 57903.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $169,000Trading liabilities
  • $0Other borrowed funds
  • $7,137Subordinated debt
  • $136,835All other liabilities
  • $136,835Total equity capital
  • $136,835Total bank equity capital
  • $0Perpetual preferred stock
  • $1,821Common stock
  • $92,675Surplus
  • $42,339Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,960Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $28,338Income earned, not collected on loans
  • $554Earning assets
  • $5,724Long-term assets (5+ years)
  • $1,009,145Average Assets, year-to-date
  • $428,280Average Assets, quarterly
  • $1,069,019Volatile liabilities
  • $1,097,563Insider loans
  • $705,170FHLB advances
  • $1,069,830Loans and leases held for sale
  • $3,147Unused loan commitments
  • $3,147Tier 1 (core) risk-based capital
  • $112,198Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $86,993Restructured Loans and leases
  • $26,741Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $46,583Total interest income
  • $7,802Total interest expense
  • $38,781Net interest income
  • $9,950Provision for loan and lease losses
  • $5,256Total noninterest income
  • $0Fiduciary activities
  • $2,894Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,362Additional noninterest income
  • $19,260Total noninterest expense
  • $8,886Salaries and employee benefits
  • $1,995Premises and equipment expense
  • $8,379Additional noninterest expense
  • $14,827Pre-tax net operating income
  • $22Securities gains (losses)
  • $2,936Applicable income taxes
  • $11,913Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,913Net income attributable to bank
  • $0Net charge-offs
  • $11,913Cash dividends
  • $6,538Sale, conversion, retirement of capital stock, net
  • $4,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 1.97%Noninterest expense to earning assets
  • 1.11%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 9.18%Return on equity (ROE)
  • 6.02%Retained earnings to average equity (YTD only)
  • 1.14%Net charge-offs to loans
  • 152.19%Credit loss provision to net charge-offs
  • 3.79%Efficiency ratio
  • 43,143Assets per employee
  • 5.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.42%Loss allowance to loans
  • 3.90%Loss allowance to noncurrent loans
  • 79.25%Noncurrent assets plus other real estate owned to assets
  • 4.17%Noncurrent loans to loans
  • 4.93%Net loans and leases to deposits
  • 75.45%Net loans and leases to core deposits
  • 93.50%Equity capital to assets
  • 12.40%Core capital (leverage) ratio
  • 10.49%Tier 1 risk-based capital ratio
  • 15.91%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $1,069,019Average earning assets
  • $129,794Average equity
  • $979,535Average loans

List of branches

  • 12 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014513First Security Bank Of Missoula1704 Dearborn Avenue, Missoula, MT 59801March 29, 1973Full Service Brick and Mortar
    141114First Security Branch Downtown100 East Broadway, Missoula, MT 59806January 01, 1911Full Service Brick and Mortar
    2266430Real Estate Lending Center2601 Garfield, Missoula, MT 59801January 01, 1911Full Service Brick and Mortar
    4264367320 West Broadway Branch320 W. Broadway, Missoula, MT 59801January 01, 1919Limited Service Facility
    5356589Reserve Street Branch3045 North Reserve Street, Missoula, MT 59808June 01, 2000Full Service Retail
    6365124Broadway Branch541 East Broadway, Missoula, MT 59802July 23, 2001Limited Service Retail
    7365125Great Northern Branch3220 Great Northern Way, Missoula, MT 59808July 23, 2001Full Service Brick and Mortar
    8365126Clocktower Branch4055 S Us Hwy 93, Missoula, MT 59804July 23, 2001Limited Service Facility
    97062Thompson Falls Branch107 South Fulton, Thompson Falls, MT 59873January 01, 1906Full Service Brick and Mortar
    10422960Plains Branch510 West Railroad, Plains, MT 59859June 29, 2000Full Service Brick and Mortar
    115304Hamilton Main BranchFirst And Main Streets, Hamilton, MT 59840April 05, 1905Full Service Brick and Mortar
    13218282Corvallis Branch297 Woodside Cutoff Road, Corvallis, MT 59828September 23, 1996Limited Service Facility

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