Glacier Bank in Kalispell, Montana (MT)



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Glacier Bank
GeneralFDIC 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
WWW: http://www.glacierbank.com
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)262
Total assets$1,375,690
Cash and due from depository institutions$22,179
Interest-bearing balances$981
Securities$515,117
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$762,195
Loan loss allowance $35,336
Trading account assets$0
Bank premises and fixed assets$31,626
Other real estate owned$10,078
Goodwill and other intangibles$9,728
All other assets$24,767
Life insurance assets$1,375,690
Total liabilities and capital$1,185,331
Total liabilities$807,505
Total deposits$619,472
Interest-bearing deposits$807,505
Deposits held in domestic offices$74
% insured (estimated)139364.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$229,155
Other borrowed funds $0
Subordinated debt $9,307
All other liabilities $190,359
Total equity capital$190,359
Total bank equity capital$190,359
Perpetual preferred stock$0
Common stock$1,020
Surplus$108,967
Undivided profits $80,372
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $13,163
Income earned, not collected on loans $49,040
Earning assets $0
Long-term assets (5+ years) $6,025
Average Assets, year-to-date $1,278,293
Average Assets, quarterly $483,400
Volatile liabilities $1,374,173
Insider loans $1,367,008
FHLB advances $937,916
Loans and leases held for sale $1,346,157
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $175,066
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $155,965
Derivatives$32,025
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $57,823
Total interest expense $7,282
Net interest income $50,541
Provision for loan and lease losses $16,800
Total noninterest income $10,578
Fiduciary activities $0
Service charges on deposit accounts $4,950
Trading account gains & fees $0
Additional noninterest income $5,628
Total noninterest expense $27,370
Salaries and employee benefits $11,357
Premises and equipment expense $2,484
Additional noninterest expense $13,529
Pre-tax net operating income $16,949
Securities gains (losses) $386
Applicable income taxes $3,386
Income before extraordinary items $13,949
Extraordinary gains - net $0
Net income attributable to bank $13,949
Net charge-offs $0
Cash dividends $13,949
Sale, conversion, retirement of capital stock, net $16,165
Net operating income $1,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.52%
Cost of funding earning assets 0.57%
Net interest margin 3.95%
Noninterest income to earning assets 0.83%
Noninterest expense to earning assets 2.14%
Net operating income to assets 0.99%
Return on assets (ROA) 1.02%
Pretax return on assets 1.26%
Return on equity (ROE) 7.71%
Retained earnings to average equity (YTD only) 7.15%
Net charge-offs to loans 1.97%
Credit loss provision to net charge-offs 103.93%
Efficiency ratio2.09%
Assets per employee$44,587
Cash dividends to net income (YTD only)5.25%
Condition Ratios (%)
Loss allowance to loans 7.17%
Loss allowance to noncurrent loans 4.43%
Noncurrent assets plus other real estate owned to assets 72.06%
Noncurrent loans to loans 4.30%
Net loans and leases to deposits6.15%
Net loans and leases to core deposits 94.39%
Equity capital to assets 104.76%
Core capital (leverage) ratio 13.84%
Tier 1 risk-based capital ratio 13.00%
Total risk-based capital ratio 18.67%
Memoranda
Average assets$20
Average earning assets$1,374,173
Average equity $181,034
Average loans $1,279,997
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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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