First Federal Savings and Loan Association of Montana - Overview
General
FDIC Certificate #: 28036 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Sterling Savings Bank (#32158) Federal Reserve ID: 735272 Date Established: January 01, 1911 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 774 FDIC's unique #: 40870 Numeric code: 37 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: January 09, 1937 Last Structure Change Effective Date: November 13, 1998 Last Structure Change Process Date: Febuary 04, 1999 Last Data Update: Febuary 04, 1999 Data Source Date: April 05, 2012
Location
Address: 711 South First, Hamilton, MT 59840 County: Ravalli 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
Financial Summary
Total assets: $65.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
15Total employees (full-time equivalent)
$62,134Total assets
$2,366Cash and due from depository institutions
$813Interest-bearing balances
$19,785Securities
$0Federal funds sold & reverse repurchase agreements
$36,158Net loans & leases
$527Loan loss allowance
$0Trading account assets
$1,275Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,550All other assets
$62,134Total liabilities and capital
$54,632Total liabilities
$48,624Total deposits
$48,172Interest-bearing deposits
$48,624Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$5,000Other borrowed funds
$0Subordinated debt
$1,008All other liabilities
$7,502Total equity capital
$7,502Total bank equity capital
$7,502Perpetual preferred stock
$0Common stock
$3Surplus
$540Undivided profits
Memoranda
$6,959Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$215Average Assets, year-to-date
$56,756Average Assets, quarterly
$0Volatile liabilities
$61,838Insider loans
$62,449FHLB advances
$9,910Loans and leases held for sale
$695Unused loan commitments
$5,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,029Total unused commitments
$0Restructured Loans and leases
$26,943Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$4,576Total interest income
$2,574Total interest expense
$2,002Net interest income
$32Provision for loan and lease losses
$327Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$327Additional noninterest income
$1,275Total noninterest expense
$695Salaries and employee benefits
$291Premises and equipment expense
$289Additional noninterest expense
$1,022Pre-tax net operating income
$0Securities gains (losses)
$403Applicable income taxes
$619Income before extraordinary items
$0Extraordinary gains - net
$619Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$3Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.05%Yield on earning assets
4.53%Cost of funding earning assets
3.52%Net interest margin
0.58%Noninterest income to earning assets
2.24%Noninterest expense to earning assets
1.00%Net operating income to assets
1.00%Return on assets (ROA)
1.65%Pretax return on assets
8.71%Return on equity (ROE)
8.71%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
1066.67%Credit loss provision to net charge-offs
351.33%Efficiency ratio
54,745Assets per employee
4.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.44%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
74.36%Net loans and leases to core deposits
82.71%Equity capital to assets
12.07%Core capital (leverage) ratio
11.69%Tier 1 risk-based capital ratio
26.74%Total risk-based capital ratio
Memoranda
$28Average assets
$61,838Average earning assets
$7,106Average equity
$56,863Average loans
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First Federal Savings and Loan Association of Montana
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