First Security Bank in city_name, state_name - Detailed Financial Reports, Location

First Security Bank in Bozeman, Montana (MT)
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First Security Bank routing number info

First Security Bank - Overview

General
FDIC Certificate #: 1520
Status: Active
Federal Reserve ID: 633154
Bank Holding Company (Regulatory Top Holder): Inter-Mountain Bancorp., Inc. (RSSDID: 1122075, Location: Bozeman, MT)
Date Established: October 19, 1919
WWW: http://www.ourbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
OTS Docket #: 14722
FDIC's unique #: 1003
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: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 208 East Main Street, 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $565.8 mil
Equity capital: $61.5 mil
Deposits held in domestic offices: $494.4 mil
Return on assets (ROA): 0.67% ($3.8 mil)
Quarterly return on assets: 0.48% ($2.7 mil)
Return on Equity (ROE): 6.52% ($4.0 mil)
Quarterly return on equity: 4.45% ($2.7 mil)
Net income: $3.9 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 0.67% ($3,790.9 mil)
Quarterly Pretax return on assets: 0.48% ($2,715.8 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
135Total employees (full-time equivalent)
$565,802Total assets
$37,011Cash and due from depository institutions
$27,144Interest-bearing balances
$156,443Securities
$0Federal funds sold & reverse repurchase agreements
$328,521Net loans & leases
$7,892Loan loss allowance
$0Trading account assets
$28,103Bank premises and fixed assets
$2,327Other real estate owned
$7,619Goodwill and other intangibles
$565,802Life insurance assets
$5,778All other assets
$504,317Total liabilities and capital
$494,400Total liabilities
$355,103Total deposits
$494,400Interest-bearing deposits
$90Deposits held in domestic offices
7087.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,705Trading liabilities
$0Other borrowed funds
$1,125Subordinated debt
$61,485All other liabilities
$61,485Total equity capital
$61,485Total bank equity capital
$0Perpetual preferred stock
$3,000Common stock
$35,757Surplus
$22,728Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$20,247Income earned, not collected on loans
$0Earning assets
$2,979Long-term assets (5+ years)
$512,108Average Assets, year-to-date
$49,281Average Assets, quarterly
$572,828Volatile liabilities
$564,421Insider loans
$376,550FHLB advances
$562,087Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$52,992Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$59,199Restructured Loans and leases
$13,917Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$21,971Total interest income
$1,876Total interest expense
$20,095Net interest income
$3,300Provision for loan and lease losses
$2,865Total noninterest income
$10Fiduciary activities
$1,027Service charges on deposit accounts
$0Trading account gains & fees
$1,828Additional noninterest income
$16,167Total noninterest expense
$8,797Salaries and employee benefits
$2,635Premises and equipment expense
$4,735Additional noninterest expense
$3,493Pre-tax net operating income
$362Securities gains (losses)
$0Applicable income taxes
$3,855Income before extraordinary items
$0Extraordinary gains - net
$3,855Net income attributable to bank
$0Net charge-offs
$3,855Cash dividends
$2,812Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.23%Yield on earning assets
0.36%Cost of funding earning assets
3.87%Net interest margin
0.55%Noninterest income to earning assets
3.11%Noninterest expense to earning assets
0.61%Net operating income to assets
0.67%Return on assets (ROA)
0.67%Pretax return on assets
6.52%Return on equity (ROE)
6.52%Retained earnings to average equity (YTD only)
0.81%Net charge-offs to loans
117.35%Credit loss provision to net charge-offs
2.42%Efficiency ratio
70,414Assets per employee
4.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.35%Loss allowance to noncurrent loans
38.98%Noncurrent assets plus other real estate owned to assets
3.99%Noncurrent loans to loans
6.02%Net loans and leases to deposits
66.45%Net loans and leases to core deposits
68.53%Equity capital to assets
10.87%Core capital (leverage) ratio
9.43%Tier 1 risk-based capital ratio
14.07%Total risk-based capital ratio
Memoranda
$15Average assets
$572,828Average earning assets
$59,120Average equity
$519,024Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$1,551Managed Assets
1Number of Accounts
$1,551Personal trust and agency accounts
$1,551Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
8Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

9 Montana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1003	First Security Bank	208 East Main Street, Bozeman, MT 59715	October 19, 1919	Full Service Brick and Mortar
1	189667	South 19th Ave Branch	670 S. 19th Avenue, Bozeman, MT 59715	March 31, 1994	Full Service Brick and Mortar
2	189668	Van's Iga/County Market Branch	912 North Seventh Avenue, Bozeman, MT 59715	December 09, 1997	Full Service Retail
3	57027	Belgrade Branch	511 West Main Street, Belgrade, MT 59714	April 01, 1997	Full Service Brick and Mortar
4	12226	Three Forks Branch	320 South Main Street, Three Forks, MT 59752	November 14, 1960	Full Service Brick and Mortar
5	13392	West Yellowstone Branch	106 South Electric, West Yellowstone, MT 59758	June 06, 1966	Full Service Brick and Mortar
7	1329	Fort Benton Branch	1502-1504 Main Street, Fort Benton, MT 59442	January 01, 1916	Full Service Brick and Mortar
8	452509	Cottonwood Branch	642 Cottonwood Road, Bozeman, MT 59718	June 05, 2006	Full Service Brick and Mortar
9	452510	Big Sky Branch	78 Meadow Village Drive, Big Sky, MT 59716	December 19, 2005	Full Service Brick and Mortar

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

First Security Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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

First Security Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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