Glacier Bank in Kalispell, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

Glacier Bank - Overview

  • General
  • FDIC Certificate #: 30788
    Status: Active
    Federal Reserve ID: 2634191
    Bank Holding Company (Regulatory Top Holder): Glacier Bancorp, Inc. (RSSDID: 2003975, Location: Kalispell, MT)
    Date Established: July 15, 1955
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 21 (Domestic: 21, Interstate: No)
    OTS Docket #: 5918
    FDIC's unique #: 43622
    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: July 15, 1955
    Last Structure Change Effective Date: August 08, 2011
    Last Structure Change Process Date: August 08, 2011
    Last Data Update: August 08, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 Main Street, Kalispell, MT 59903
    County: Flathead
    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): Kalispell, MT (#28060)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $1,375.7 mil
    Equity capital: $190.4 mil
    Deposits held in domestic offices: $807.5 mil
    Return on assets (ROA): 1.02% ($14.0 mil)
    Quarterly return on assets: 1.60% ($22.0 mil)
    Return on Equity (ROE): 7.71% ($14.6 mil)
    Quarterly return on equity: 11.58% ($22.0 mil)
    Net income: $13.9 mil
    Quarterly Net income: $5.5 mil
    Pretax return on assets: 1.26% ($17,333.7 mil)
    Quarterly Pretax return on assets: 1.98% ($27,238.7 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
  • 262Total employees (full-time equivalent)
  • $1,375,690Total assets
  • $22,179Cash and due from depository institutions
  • $981Interest-bearing balances
  • $515,117Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $762,195Net loans & leases
  • $35,336Loan loss allowance
  • $0Trading account assets
  • $31,626Bank premises and fixed assets
  • $10,078Other real estate owned
  • $9,728Goodwill and other intangibles
  • $1,375,690Life insurance assets
  • $24,767All other assets
  • $1,185,331Total liabilities and capital
  • $807,505Total liabilities
  • $619,472Total deposits
  • $807,505Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 139364.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $229,155Trading liabilities
  • $0Other borrowed funds
  • $9,307Subordinated debt
  • $190,359All other liabilities
  • $190,359Total equity capital
  • $190,359Total bank equity capital
  • $0Perpetual preferred stock
  • $1,020Common stock
  • $108,967Surplus
  • $80,372Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $13,163Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $49,040Income earned, not collected on loans
  • $0Earning assets
  • $6,025Long-term assets (5+ years)
  • $1,278,293Average Assets, year-to-date
  • $483,400Average Assets, quarterly
  • $1,374,173Volatile liabilities
  • $1,367,008Insider loans
  • $937,916FHLB advances
  • $1,346,157Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $175,066Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $155,965Restructured Loans and leases
  • $32,025Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $57,823Total interest income
  • $7,282Total interest expense
  • $50,541Net interest income
  • $16,800Provision for loan and lease losses
  • $10,578Total noninterest income
  • $0Fiduciary activities
  • $4,950Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,628Additional noninterest income
  • $27,370Total noninterest expense
  • $11,357Salaries and employee benefits
  • $2,484Premises and equipment expense
  • $13,529Additional noninterest expense
  • $16,949Pre-tax net operating income
  • $386Securities gains (losses)
  • $3,386Applicable income taxes
  • $13,949Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,949Net income attributable to bank
  • $0Net charge-offs
  • $13,949Cash dividends
  • $16,165Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 2.14%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 7.71%Return on equity (ROE)
  • 7.15%Retained earnings to average equity (YTD only)
  • 1.97%Net charge-offs to loans
  • 103.93%Credit loss provision to net charge-offs
  • 2.09%Efficiency ratio
  • 44,587Assets per employee
  • 5.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 7.17%Loss allowance to loans
  • 4.43%Loss allowance to noncurrent loans
  • 72.06%Noncurrent assets plus other real estate owned to assets
  • 4.30%Noncurrent loans to loans
  • 6.15%Net loans and leases to deposits
  • 94.39%Net loans and leases to core deposits
  • 104.76%Equity capital to assets
  • 13.84%Core capital (leverage) ratio
  • 13.00%Tier 1 risk-based capital ratio
  • 18.67%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $1,374,173Average earning assets
  • $181,034Average equity
  • $1,279,997Average loans

List of branches

  • 21 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043622Glacier Bank202 Main Street, Kalispell, MT 59903July 15, 1955Full Service Brick and Mortar
    1282061Glacier Bank - Libby615 California Avenue, Libby, MT 59923July 15, 1955Full Service Brick and Mortar
    228206214 2nd Ave West Branch49430 Us Highway 93, Polson, MT 59860July 15, 1955Full Service Brick and Mortar
    4363135Glacier Bank - Columbia Falls Office822 Nucleus Avenue, Columbia Falls, MT 59912May 10, 1976Full Service Brick and Mortar
    101282066Glacier Bank - Bigfork Office8251 Highway 35, Bigfork, MT 59911July 15, 1955Full Service Brick and Mortar
    102282067Glacier Bank - Evergreen Office2199 Highway 2 East, Kalispell, MT 59901July 15, 1955Full Service Brick and Mortar
    104282069Glacier Bank - Buffalo Hill Office49 Commons Loop, Kalispell, MT 59901March 01, 1992Full Service Brick and Mortar
    111290165Glacier Bank - Butte Tamarack Office3701 Harrison Avenue, Butte, MT 59701May 01, 1995Full Service Brick and Mortar
    112365197Glacier Bank - Butte Harrison Office1880 Harrison Ave, Butte, MT 59702July 23, 2001Full Service Brick and Mortar
    113365198Glacier Bank - Anaconda Office307 E Park St, Anaconda, MT 59711July 23, 2001Full Service Brick and Mortar
    115259910West Glacier Office150 Going To The Sun Road, West Glacier, MT 59936June 07, 1999Limited Service Retail
    116259911First Citizens Bankmobile BranchTo Serve Flathead County, Columbia Falls, MT 59912June 07, 1999Limited Service Messenger
    117259912First Citizens Bank Atm/Night Deposi1396 Highway 2 East, Kalispell, MT 59901January 14, 2000Limited Service Retail
    118363255Glacier Bank - West Reserve Office490 West Reseve Drive, Kalispell, MT 59901Febuary 19, 2002Full Service Brick and Mortar
    1191461Glacier Bank Of Whitefish Branch319 East 2nd Street, Whitefish, MT 59937January 01, 1907Full Service Brick and Mortar
    12013062Glacier Bank - Eureka Office222 Dewey Avenue, Eureka, MT 59917October 05, 1964Full Service Brick and Mortar
    121478978Glacier Bank - Whitefish Driveup Bra319 East 2nd St, Whitefish, MT 59937January 01, 1988Limited Service Facility
    122478979Glacier Bank - Whitefish South Branc6195 Highway 93 South, Whitefish, MT 59937March 19, 2008Full Service Brick and Mortar
    123478980Glacier Bank - Center St Drive Up Br135 Center Street, Kalispell, MT 59901January 01, 1997Limited Service Facility
    124478981Glacier Bank - Harrison Drive Up Bra1880 Harrison Avenue, Butte, MT 59701January 01, 2007Limited Service Facility
    125493068Glacier Bank - Lakeside Branch7100 Highway 93 S Suite B, Lakeside, MT 59922December 11, 2008Full Service Brick and Mortar

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