FDIC Certificate #: 20162 Status: Active Federal Reserve ID: 647955 Bank Holding Company (Regulatory Top Holder): F.S.b. Holding Company (RSSDID: 1125478, Location: Helena, MT) Date Established: April 13, 1970 WWW:http://www.fsb-hln.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 #: 13855 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: April 13, 1970 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: 1721 11th Avenue, Helena, MT 59601 County: Lewis And Clark 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): Helena, MT (#25740) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $42.6 mil Equity capital: $4.5 mil Deposits held in domestic offices: $37.2 mil Return on assets (ROA): -0.33% (-$0.1 mil) Quarterly return on assets: -4.35% (-$1.9 mil) Return on Equity (ROE): -3.00% (-$0.1 mil) Quarterly return on equity: -39.81% (-$1.6 mil) Net income: -$0.1 mil Quarterly Net income: -$0.5 mil Pretax return on assets: -0.33% (-$140.6 mil) Quarterly Pretax return on assets: -4.35% (-$1,852.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$42,591Total assets
$3,496Cash and due from depository institutions
$2,727Interest-bearing balances
$2,103Securities
$0Federal funds sold & reverse repurchase agreements
$34,258Net loans & leases
$575Loan loss allowance
$0Trading account assets
$1,187Bank premises and fixed assets
$230Other real estate owned
$0Goodwill and other intangibles
$42,591Life insurance assets
$1,317All other assets
$38,133Total liabilities and capital
$37,218Total liabilities
$29,280Total deposits
$37,218Interest-bearing deposits
$97Deposits held in domestic offices
695.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$220Subordinated debt
$4,458All other liabilities
$4,458Total equity capital
$4,458Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$3,400Surplus
$458Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,759Income earned, not collected on loans
$0Earning assets
$190Long-term assets (5+ years)
$39,088Average Assets, year-to-date
$13,982Average Assets, quarterly
$42,987Volatile liabilities
$42,926Insider loans
$29,751FHLB advances
$43,264Loans and leases held for sale
$714Unused loan commitments
$714Tier 1 (core) risk-based capital
$4,452Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,078Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,554Total interest income
$484Total interest expense
$2,070Net interest income
$610Provision for loan and lease losses
$131Total noninterest income
$0Fiduciary activities
$106Service charges on deposit accounts
$0Trading account gains & fees
$25Additional noninterest income
$1,732Total noninterest expense
$993Salaries and employee benefits
$216Premises and equipment expense
$523Additional noninterest expense
-$141Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$141Income before extraordinary items
$0Extraordinary gains - net
-$141Net income attributable to bank
$0Net charge-offs
-$141Cash dividends
$520Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.41%Yield on earning assets
1.21%Cost of funding earning assets
5.20%Net interest margin
0.33%Noninterest income to earning assets
4.35%Noninterest expense to earning assets
-0.33%Net operating income to assets
-0.33%Return on assets (ROA)
-0.33%Pretax return on assets
-3.00%Return on equity (ROE)
-3.00%Retained earnings to average equity (YTD only)
1.43%Net charge-offs to loans
117.31%Credit loss provision to net charge-offs
0.90%Efficiency ratio
78,692Assets per employee
3.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.65%Loss allowance to noncurrent loans
32.69%Noncurrent assets plus other real estate owned to assets
4.67%Noncurrent loans to loans
5.05%Net loans and leases to deposits
92.05%Net loans and leases to core deposits
101.36%Equity capital to assets
10.47%Core capital (leverage) ratio
10.29%Tier 1 risk-based capital ratio
14.96%Total risk-based capital ratio
Memoranda
$16Average assets
$42,987Average earning assets
$4,698Average equity
$39,845Average loans
List of branches
1 Montana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
13855
First Security Bank Of Helena
1721 11th Avenue, Helena, MT 59601
April 13, 1970
Full Service Brick and Mortar
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