First Citizens Bank of Bozeman in Bozeman, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 05, 1995

First Citizens Bank of Bozeman in Bozeman, Montana (MT)
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First Citizens Bank of Bozeman - Overview

General
FDIC Certificate #: 23372
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Interstate Bank (#1105)
Federal Reserve ID: 662154
Date Established: April 01, 1981
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 16387
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: April 01, 1981
Last Structure Change Effective Date: May 05, 1995
Last Structure Change Process Date: May 24, 1995
Last Data Update: May 24, 1995
Data Source Date: April 05, 2012
Location
Address: 2800 West Main, Bozeman, MT 59715
County: Gallatin
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): Bozeman, MT (#14580)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $46.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$17Total assets
$39,994Cash and due from depository institutions
$3,718Interest-bearing balances
$0Securities
$13,222Federal funds sold & reverse repurchase agreements
$970Net loans & leases
$20,897Loan loss allowance
$535Trading account assets
$0Bank premises and fixed assets
$737Other real estate owned
$0Goodwill and other intangibles
$450Life insurance assets
$0All other assets
$0Total liabilities and capital
$39,994Total liabilities
$36,432Total deposits
$35,777Interest-bearing deposits
$25,517Deposits held in domestic offices
35777.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$510Subordinated debt
$0All other liabilities
$145Total equity capital
$145Total bank equity capital
$3,562Perpetual preferred stock
$0Common stock
$750Surplus
$1,060Undivided profits
Memoranda
$1,752Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$215Income earned, not collected on loans
$228Earning assets
$35,089Long-term assets (5+ years)
$8,796Average Assets, year-to-date
$39,607Average Assets, quarterly
$40,290Volatile liabilities
$2,938Insider loans
$152FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,608Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,723Total risk weighted assets
$25,521Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$2,944Total interest expense
$782Net interest income
$2,162Provision for loan and lease losses
$60Total noninterest income
$350Fiduciary activities
$0Service charges on deposit accounts
$299Trading account gains & fees
$0Additional noninterest income
$51Total noninterest expense
$1,213Salaries and employee benefits
$699Premises and equipment expense
$115Additional noninterest expense
$399Pre-tax net operating income
$1,239Securities gains (losses)
-$57Applicable income taxes
$418Income before extraordinary items
$764Extraordinary gains - net
$0Net income attributable to bank
$764Net charge-offs
-$2Cash dividends
$102Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.30%Cost of funding earning assets
2.21%Net interest margin
6.10%Noninterest income to earning assets
0.99%Noninterest expense to earning assets
3.42%Net operating income to assets
2.02%Return on assets (ROA)
1.93%Pretax return on assets
2.98%Return on equity (ROE)
23.06%Retained earnings to average equity (YTD only)
19.98%Net charge-offs to loans
-0.01%Credit loss provision to net charge-offs
-3000.00%Efficiency ratio
48,288Assets per employee
2.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
13.35%Loss allowance to loans
2.50%Loss allowance to noncurrent loans
248.84%Noncurrent assets plus other real estate owned to assets
0.54%Noncurrent loans to loans
1.00%Net loans and leases to deposits
58.41%Net loans and leases to core deposits
62.66%Equity capital to assets
8.91%Core capital (leverage) ratio
9.24%Tier 1 risk-based capital ratio
14.59%Total risk-based capital ratio
Memoranda
$16Average assets
$39,607Average earning assets
$3,313Average equity
$35,460Average loans

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