FDIC Certificate #: 57952 Status: Active Federal Reserve ID: 3308529 Bank Holding Company (Regulatory Top Holder): Bozeman Bancorp, Inc. (RSSDID: 3308510, Location: Bozeman, MT) Date Established: April 15, 2005 WWW:http://www.bankofbozeman.com 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 #: 432445 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: April 15, 2005 Last Structure Change Effective Date: September 25, 2009 Last Structure Change Process Date: September 25, 2009 Last Data Update: September 25, 2009 Data Source Date: April 05, 2012
Location
Address: 875 Harmon Stream Boulevard, Bozeman, MT 59718 County: Gallatin Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: Kansas City FDIC Field Office: Billings Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Bozeman, MT (#14580) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $67.0 mil Equity capital: $5.4 mil Deposits held in domestic offices: $61.2 mil Return on assets (ROA): -4.10% (-$2.7 mil) Quarterly return on assets: -5.86% (-$3.9 mil) Return on Equity (ROE): -49.48% (-$2.5 mil) Quarterly return on equity: -69.75% (-$3.5 mil) Net income: -$2.9 mil Quarterly Net income: -$1.0 mil Pretax return on assets: -4.10% (-$2,747.2 mil) Quarterly Pretax return on assets: -5.86% (-$3,926.4 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$67,004Total assets
$8,436Cash and due from depository institutions
$6,668Interest-bearing balances
$0Securities
$8,605Federal funds sold & reverse repurchase agreements
$37,322Net loans & leases
$1,217Loan loss allowance
$0Trading account assets
$6,165Bank premises and fixed assets
$5,907Other real estate owned
$0Goodwill and other intangibles
$67,004Life insurance assets
$569All other assets
$61,566Total liabilities and capital
$61,220Total liabilities
$55,983Total deposits
$61,220Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$346Subordinated debt
$5,438All other liabilities
$5,438Total equity capital
$5,438Total bank equity capital
$0Perpetual preferred stock
$8Common stock
$19,193Surplus
$-13,763Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,953Income earned, not collected on loans
$0Earning assets
$177Long-term assets (5+ years)
$52,595Average Assets, year-to-date
$6,357Average Assets, quarterly
$69,469Volatile liabilities
$67,626Insider loans
$51,319FHLB advances
$68,008Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,438Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,973Restructured Loans and leases
$599Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,238Total interest income
$873Total interest expense
$1,365Net interest income
$957Provision for loan and lease losses
$345Total noninterest income
$0Fiduciary activities
$29Service charges on deposit accounts
$0Trading account gains & fees
$316Additional noninterest income
$3,604Total noninterest expense
$1,496Salaries and employee benefits
$365Premises and equipment expense
$1,743Additional noninterest expense
-$2,851Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$2,851Income before extraordinary items
$0Extraordinary gains - net
-$2,851Net income attributable to bank
$0Net charge-offs
-$2,851Cash dividends
$938Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.00%Yield on earning assets
1.56%Cost of funding earning assets
2.44%Net interest margin
0.62%Noninterest income to earning assets
6.44%Noninterest expense to earning assets
-4.10%Net operating income to assets
-4.10%Return on assets (ROA)
-4.10%Pretax return on assets
-49.48%Return on equity (ROE)
-49.48%Retained earnings to average equity (YTD only)
2.32%Net charge-offs to loans
102.03%Credit loss provision to net charge-offs
-2.02%Efficiency ratio
210,760Assets per employee
3.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.16%Loss allowance to noncurrent loans
62.31%Noncurrent assets plus other real estate owned to assets
11.73%Noncurrent loans to loans
5.07%Net loans and leases to deposits
60.96%Net loans and leases to core deposits
75.01%Equity capital to assets
8.12%Core capital (leverage) ratio
8.00%Tier 1 risk-based capital ratio
10.60%Total risk-based capital ratio
Memoranda
$12Average assets
$69,469Average earning assets
$5,762Average equity
$55,954Average loans
List of branches
1 Montana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
432445
Bank Of Bozeman
875 Harmon Stream Boulevard, Bozeman, MT 59718
April 15, 2005
Full Service Brick and Mortar
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