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

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

  • General
  • FDIC Certificate #: 20479
    Status: Active
    Federal Reserve ID: 625056
    Bank Holding Company (Regulatory Top Holder): Central Montana Bancorporation (RSSDID: 1128349, Location: Roundup, MT)
    Date Established: September 03, 1971
    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 #: 14123
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: September 03, 1971
    Last Structure Change Effective Date: August 02, 2011
    Last Structure Change Process Date: August 02, 2011
    Last Data Update: August 02, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 Main Street, Roundup, MT 59072
    County: Musselshell
    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
  • Financial Summary
  • Total assets: $49.0 mil
    Equity capital: $4.7 mil
    Deposits held in domestic offices: $42.8 mil
    Return on assets (ROA): 1.94% ($1.0 mil)
    Quarterly return on assets: 2.02% ($1.0 mil)
    Return on Equity (ROE): 19.39% ($1.0 mil)
    Quarterly return on equity: 19.84% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.94% ($950.7 mil)
    Quarterly Pretax return on assets: 2.02% ($989.9 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
  • 10Total employees (full-time equivalent)
  • $49,007Total assets
  • $7,973Cash and due from depository institutions
  • $4,935Interest-bearing balances
  • $12,656Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $26,354Net loans & leases
  • $286Loan loss allowance
  • $0Trading account assets
  • $480Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $49,007Life insurance assets
  • $1,544All other assets
  • $44,276Total liabilities and capital
  • $42,791Total liabilities
  • $30,921Total deposits
  • $42,791Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 300.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $28Trading liabilities
  • $0Other borrowed funds
  • $1,157Subordinated debt
  • $4,731All other liabilities
  • $4,731Total equity capital
  • $4,731Total bank equity capital
  • $0Perpetual preferred stock
  • $360Common stock
  • $3,190Surplus
  • $1,181Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $705Income earned, not collected on loans
  • $0Earning assets
  • $454Long-term assets (5+ years)
  • $43,945Average Assets, year-to-date
  • $3,078Average Assets, quarterly
  • $45,816Volatile liabilities
  • $46,287Insider loans
  • $30,473FHLB advances
  • $46,316Loans and leases held for sale
  • $992Unused loan commitments
  • $992Tier 1 (core) risk-based capital
  • $4,692Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,699Restructured Loans and leases
  • $117Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,071Total interest income
  • $146Total interest expense
  • $1,925Net interest income
  • $0Provision for loan and lease losses
  • $265Total noninterest income
  • $0Fiduciary activities
  • $125Service charges on deposit accounts
  • $0Trading account gains & fees
  • $140Additional noninterest income
  • $1,306Total noninterest expense
  • $659Salaries and employee benefits
  • $113Premises and equipment expense
  • $534Additional noninterest expense
  • $884Pre-tax net operating income
  • $7Securities gains (losses)
  • $0Applicable income taxes
  • $891Income before extraordinary items
  • $0Extraordinary gains - net
  • $891Net income attributable to bank
  • $0Net charge-offs
  • $891Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $648Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 0.36%Cost of funding earning assets
  • 4.68%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 1.93%Net operating income to assets
  • 1.94%Return on assets (ROA)
  • 1.94%Pretax return on assets
  • 19.39%Return on equity (ROE)
  • 5.29%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 59,635Assets per employee
  • 4.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.73%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 40.57%Noncurrent assets plus other real estate owned to assets
  • 1.44%Noncurrent loans to loans
  • 2.65%Net loans and leases to deposits
  • 61.59%Net loans and leases to core deposits
  • 64.85%Equity capital to assets
  • 9.65%Core capital (leverage) ratio
  • 10.13%Tier 1 risk-based capital ratio
  • 15.40%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $45,816Average earning assets
  • $4,594Average equity
  • $41,105Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014123First Security Bank Of Roundup401 Main Street, Roundup, MT 59072September 03, 1971Full Service Brick and Mortar

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