Mountain West Bank, National Association in Helena, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

Mountain West Bank, National Association - Overview

  • General
  • FDIC Certificate #: 33314
    Status: Active
    Federal Reserve ID: 1861927
    Bank Holding Company (Regulatory Top Holder): Mountain West Financial Corp. (RSSDID: 2256539, Location: Helena, MT)
    Date Established: Febuary 04, 1991
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 12994
    FDIC's unique #: 46863
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 04, 1991
    Last Structure Change Effective Date: June 05, 2009
    Last Structure Change Process Date: June 05, 2009
    Last Data Update: June 05, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1225 Cedar Street, 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
  • Financial Summary
  • Total assets: $640.8 mil
    Equity capital: $71.4 mil
    Deposits held in domestic offices: $544.6 mil
    Return on assets (ROA): 0.30% ($1.9 mil)
    Quarterly return on assets: 0.41% ($2.6 mil)
    Return on Equity (ROE): 2.88% ($2.0 mil)
    Quarterly return on equity: 3.72% ($2.6 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.47% ($3,011.9 mil)
    Quarterly Pretax return on assets: 0.64% ($4,101.3 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
  • 199Total employees (full-time equivalent)
  • $640,825Total assets
  • $38,894Cash and due from depository institutions
  • $28,221Interest-bearing balances
  • $96,837Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $430,374Net loans & leases
  • $14,822Loan loss allowance
  • $0Trading account assets
  • $38,027Bank premises and fixed assets
  • $11,797Other real estate owned
  • $34Goodwill and other intangibles
  • $640,825Life insurance assets
  • $24,862All other assets
  • $569,398Total liabilities and capital
  • $544,570Total liabilities
  • $459,478Total deposits
  • $544,570Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 2675.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,758Trading liabilities
  • $0Other borrowed funds
  • $5,395Subordinated debt
  • $71,427All other liabilities
  • $71,427Total equity capital
  • $71,427Total bank equity capital
  • $0Perpetual preferred stock
  • $5,905Common stock
  • $17,139Surplus
  • $48,383Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $22,492Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $46,017Income earned, not collected on loans
  • $1,247Earning assets
  • $1,668Long-term assets (5+ years)
  • $555,432Average Assets, year-to-date
  • $209,539Average Assets, quarterly
  • $676,033Volatile liabilities
  • $653,652Insider loans
  • $496,226FHLB advances
  • $652,046Loans and leases held for sale
  • $7,145Unused loan commitments
  • $5,480Tier 1 (core) risk-based capital
  • $68,720Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,665Total unused commitments
  • $66,337Restructured Loans and leases
  • $23,926Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,728Total interest income
  • $6,654Total interest expense
  • $23,074Net interest income
  • $3,136Provision for loan and lease losses
  • $3,957Total noninterest income
  • $0Fiduciary activities
  • $1,800Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,157Additional noninterest income
  • $20,917Total noninterest expense
  • $11,019Salaries and employee benefits
  • $2,792Premises and equipment expense
  • $7,106Additional noninterest expense
  • $2,978Pre-tax net operating income
  • $206Securities gains (losses)
  • $1,161Applicable income taxes
  • $2,023Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,023Net income attributable to bank
  • $0Net charge-offs
  • $2,023Cash dividends
  • $3,819Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 0.28%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.47%Pretax return on assets
  • 2.88%Return on equity (ROE)
  • 2.88%Retained earnings to average equity (YTD only)
  • 0.80%Net charge-offs to loans
  • 82.12%Credit loss provision to net charge-offs
  • 1.60%Efficiency ratio
  • 77,382Assets per employee
  • 3.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.33%Loss allowance to noncurrent loans
  • 32.21%Noncurrent assets plus other real estate owned to assets
  • 9.02%Noncurrent loans to loans
  • 10.34%Net loans and leases to deposits
  • 79.03%Net loans and leases to core deposits
  • 82.05%Equity capital to assets
  • 11.15%Core capital (leverage) ratio
  • 10.54%Tier 1 risk-based capital ratio
  • 13.85%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $676,033Average earning assets
  • $70,176Average equity
  • $590,462Average loans

List of branches

  • 13 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    046863Mountain West Bank, National Association1225 Cedar Street, Helena, MT 59601Febuary 04, 1991Full Service Brick and Mortar
    1289439Waterford Branch915 Saddle Drive, Helena, MT 59601August 21, 1997Limited Service Mobile
    25621812 Third Street Nw Branch12 Third Street, N.W., Great Falls, MT 59403November 01, 1995Full Service Brick and Mortar
    3289440Missoula Branch301 East Broadway, Missoula, MT 59802August 20, 1998Full Service Brick and Mortar
    5289442Missoula Southgate Branch1821 South Avenue, Missoula, MT 59801August 23, 1999Full Service Brick and Mortar
    6289443Great Falls-10th Avenue South Branch2828 10th Avenue South, Great Falls, MT 59405September 15, 1999Full Service Brick and Mortar
    735815619th Avenue Branch1960 N. 19th Avenue, Bozeman, MT 59718September 19, 2000Full Service Brick and Mortar
    8359661Helena - Great Northern Branch50 West 14th Street, Suite 100, Helena, MT 59601Febuary 26, 2001Full Service Brick and Mortar
    9466262Euclid Branch1135 Euclid, Helena, MT 59601April 19, 2007Full Service Brick and Mortar
    10470037Colonial Branch2728 Colonial Drive, Helena, MT 59601November 13, 2007Full Service Brick and Mortar
    11473411North Missoula Branch3301 Great Northern Avenue, Missoula, MT 59808January 09, 2008Full Service Brick and Mortar
    1236387Mountainwest Bank Of Kalispell Na Ba444 West Idaho, Kalispell, MT 59901May 18, 1987Full Service Brick and Mortar
    13426533Whitefish-Spokane Avenue Branch601 Spokane Avenue, Whitefish, MT 59937January 26, 2004Full Service Brick and Mortar

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