First Montana Bank, Inc. in city_name, state_name - Detailed Financial Reports, Location

First Montana Bank, Inc. in Libby, Montana (MT)
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First Montana Bank, Inc. routing number info

First Montana Bank, Inc. - Overview

General
FDIC Certificate #: 363
Status: Active
Federal Reserve ID: 613156
Bank Holding Company (Regulatory Top Holder): First National Bancorp, Inc. (RSSDID: 1134845, Location: Missoula, MT)
Date Established: January 01, 1913
WWW: http://www.firstmontanabank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 9 (Domestic: 9, Interstate: No)
OTS Docket #: 11587
FDIC's unique #: 287
Numeric code: 13
Regulator: FED
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: January 01, 1934
Last Structure Change Effective Date: December 30, 2009
Last Structure Change Process Date: January 27, 2010
Last Data Update: January 27, 2010
Data Source Date: April 05, 2012
Location
Address: 504 Mineral Avenue, Libby, MT 59923
County: Lincoln
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
History of Changes
Corrections
Name Change
Financial Summary
Total assets: $295.7 mil
Equity capital: $28.7 mil
Deposits held in domestic offices: $243.2 mil
Return on assets (ROA): 0.36% ($1.1 mil)
Quarterly return on assets: 0.19% ($0.6 mil)
Return on Equity (ROE): 3.99% ($1.2 mil)
Quarterly return on equity: 2.05% ($0.6 mil)
Net income: $1.1 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.54% ($1,596.8 mil)
Quarterly Pretax return on assets: 0.29% ($857.5 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
90Total employees (full-time equivalent)
$295,700Total assets
$3,972Cash and due from depository institutions
$235Interest-bearing balances
$85,984Securities
$0Federal funds sold & reverse repurchase agreements
$177,544Net loans & leases
$3,386Loan loss allowance
$0Trading account assets
$14,869Bank premises and fixed assets
$1,736Other real estate owned
$1,069Goodwill and other intangibles
$295,700Life insurance assets
$10,526All other assets
$266,975Total liabilities and capital
$243,246Total liabilities
$202,559Total deposits
$243,246Interest-bearing deposits
$90Deposits held in domestic offices
12732.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$8,147Trading liabilities
$0Other borrowed funds
$2,850Subordinated debt
$28,725All other liabilities
$28,725Total equity capital
$28,725Total bank equity capital
$0Perpetual preferred stock
$2,500Common stock
$12,875Surplus
$13,350Undivided profits
Memoranda
$0Noncurrent loans and leases
$3,159Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,569Income earned, not collected on loans
$312Earning assets
$1,027Long-term assets (5+ years)
$263,763Average Assets, year-to-date
$61,465Average Assets, quarterly
$298,246Volatile liabilities
$296,739Insider loans
$193,261FHLB advances
$294,066Loans and leases held for sale
$6,206Unused loan commitments
$4,459Tier 1 (core) risk-based capital
$26,515Tier 2 risk-based capital
$0Total risk weighted assets
$1,747Total unused commitments
$16,960Restructured Loans and leases
$125Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$14,214Total interest income
$2,120Total interest expense
$12,094Net interest income
$2,012Provision for loan and lease losses
$1,754Total noninterest income
$0Fiduciary activities
$932Service charges on deposit accounts
$0Trading account gains & fees
$822Additional noninterest income
$10,297Total noninterest expense
$5,352Salaries and employee benefits
$1,318Premises and equipment expense
$3,627Additional noninterest expense
$1,539Pre-tax net operating income
$70Securities gains (losses)
$525Applicable income taxes
$1,084Income before extraordinary items
$0Extraordinary gains - net
$1,084Net income attributable to bank
$0Net charge-offs
$1,084Cash dividends
$2,386Sale, conversion, retirement of capital stock, net
$520Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.29%Yield on earning assets
0.79%Cost of funding earning assets
4.50%Net interest margin
0.65%Noninterest income to earning assets
3.83%Noninterest expense to earning assets
0.35%Net operating income to assets
0.36%Return on assets (ROA)
0.54%Pretax return on assets
3.99%Return on equity (ROE)
2.08%Retained earnings to average equity (YTD only)
1.28%Net charge-offs to loans
84.33%Credit loss provision to net charge-offs
1.49%Efficiency ratio
74,357Assets per employee
3.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.97%Loss allowance to loans
1.87%Loss allowance to noncurrent loans
94.87%Noncurrent assets plus other real estate owned to assets
1.79%Noncurrent loans to loans
1.97%Net loans and leases to deposits
72.99%Net loans and leases to core deposits
77.29%Equity capital to assets
9.71%Core capital (leverage) ratio
9.02%Tier 1 risk-based capital ratio
13.72%Total risk-based capital ratio
Memoranda
$15Average assets
$298,246Average earning assets
$27,153Average equity
$268,786Average loans

List of branches

9 Montana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	287	First Montana Bank, Inc.	504 Mineral Avenue, Libby, MT 59923	January 01, 1913	Full Service Brick and Mortar
1	13136	Libby Detached Facility	600 East Missoula Avenue, Troy, MT 59935	December 28, 1964	Full Service Brick and Mortar
3	56133	1940 Dewey Boulevard Branch	1940 Dewey Boulevard, Butte, MT 59701	September 05, 1995	Full Service Brick and Mortar
4	181572	Anaconda Branch	123 Main Street, Anaconda, MT 59711	July 01, 1997	Full Service Brick and Mortar
6	181574	Missoula Branch	201 North Higgins, Missoula, MT 59802	August 05, 1998	Full Service Brick and Mortar
8	181575	Missoula Brooks Street Branch	3309 Brooks St, Missoula, MT 59801	Febuary 01, 1999	Full Service Brick and Mortar
9	181576	Anaconda Branch	1121 Eastpark, Anaconda, MT 59711	September 22, 1999	Full Service Brick and Mortar
10	360587	Bozeman Branch	1336 Stoneridge Drive, Bozeman, MT 59718	May 21, 2001	Full Service Brick and Mortar
11	56964	Montana First National Bk. Branch	85 North Main Street, Kalispell, MT 59901	July 18, 1996	Full Service Brick and Mortar

First Montana Bank, Inc. in Libby, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Montana Bank, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Montana Bank, Inc. in Libby, Montana (MT)Overview, Financial Summary, Detailed Financial Reports, Branches

First Montana Bank, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Montana Bank, Inc. in Libby, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches