FDIC Certificate #: 58482 Status: Active Federal Reserve ID: 3470097 Bank Holding Company (Regulatory Top Holder): Bancorp Of Montana Holding Company (RSSDID: 3470088, Location: Missoula, MT) Date Established: November 26, 2007 WWW:http://www.bankofmontana.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 #: 453802 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: November 26, 2007 Last Structure Change Effective Date: December 02, 2008 Last Structure Change Process Date: December 02, 2008 Last Data Update: December 02, 2008 Data Source Date: April 05, 2012
Location
Address: 125 Bank Street, Suite 100, Missoula, MT 59802 County: Missoula 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 Metropolitan Statistical Area (MSA): Missoula, MT (#5140) Core Based Statistical Area (CBSA): Missoula, MT (#33540) CBSA Metro Statistical Area: Missoula, MT (#33540)
Financial Summary
Total assets: $34.9 mil Equity capital: $5.2 mil Deposits held in domestic offices: $26.4 mil Return on assets (ROA): 1.58% ($0.6 mil) Quarterly return on assets: 1.38% ($0.5 mil) Return on Equity (ROE): 10.25% ($0.5 mil) Quarterly return on equity: 8.08% ($0.4 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.58% ($551.2 mil) Quarterly Pretax return on assets: 1.38% ($481.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$34,888Total assets
$9,131Cash and due from depository institutions
$7,934Interest-bearing balances
$1Securities
$5Federal funds sold & reverse repurchase agreements
$25,307Net loans & leases
$359Loan loss allowance
$0Trading account assets
$73Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$34,888Life insurance assets
$371All other assets
$29,639Total liabilities and capital
$26,437Total liabilities
$20,909Total deposits
$26,437Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$1,202Subordinated debt
$5,249All other liabilities
$5,249Total equity capital
$5,249Total bank equity capital
$0Perpetual preferred stock
$2,000Common stock
$2,864Surplus
$385Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$86Long-term assets (5+ years)
$33,247Average Assets, year-to-date
$9,317Average Assets, quarterly
$28,411Volatile liabilities
$31,094Insider loans
$35,811FHLB advances
$29,429Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,249Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,887Restructured Loans and leases
$1,147Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,398Total interest income
$353Total interest expense
$1,045Net interest income
$94Provision for loan and lease losses
$719Total noninterest income
$0Fiduciary activities
$3Service charges on deposit accounts
$0Trading account gains & fees
$716Additional noninterest income
$1,220Total noninterest expense
$591Salaries and employee benefits
$119Premises and equipment expense
$510Additional noninterest expense
$450Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$450Income before extraordinary items
$0Extraordinary gains - net
$450Net income attributable to bank
$0Net charge-offs
$450Cash dividends
$0Sale, conversion, retirement of capital stock, net
$209Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.23%Yield on earning assets
1.32%Cost of funding earning assets
3.91%Net interest margin
2.69%Noninterest income to earning assets
4.56%Noninterest expense to earning assets
1.58%Net operating income to assets
1.58%Return on assets (ROA)
1.58%Pretax return on assets
10.25%Return on equity (ROE)
5.49%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
69,161Assets per employee
3.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.44%Loss allowance to loans
1.40%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
95.73%Net loans and leases to core deposits
111.02%Equity capital to assets
15.05%Core capital (leverage) ratio
17.84%Tier 1 risk-based capital ratio
14.66%Total risk-based capital ratio
Memoranda
$16Average assets
$28,411Average earning assets
$4,389Average equity
$26,737Average loans
List of branches
1 Montana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
453802
Bank Of Montana
125 Bank Street, Suite 100, Missoula, MT 59802
November 26, 2007
Full Service Brick and Mortar
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