FDIC Certificate #: 20479 Status: Active Federal Reserve ID: 625056 Bank Holding Company (Regulatory Top Holder): Central Montana Bancorporation (RSSDID: 1128349, Location: Roundup, MT) Date Established: September 03, 1971 WWW:http://www.1stsecurityroundup.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 #: 14123 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: September 03, 1971 Last Structure Change Effective Date: August 02, 2011 Last Structure Change Process Date: August 02, 2011 Last Data Update: August 02, 2011 Data Source Date: April 05, 2012
Location
Address: 401 Main Street, Roundup, MT 59072 County: Musselshell 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: $49.0 mil Equity capital: $4.7 mil Deposits held in domestic offices: $42.8 mil Return on assets (ROA): 1.94% ($1.0 mil) Quarterly return on assets: 2.02% ($1.0 mil) Return on Equity (ROE): 19.39% ($1.0 mil) Quarterly return on equity: 19.84% ($1.0 mil) Net income: $0.9 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.94% ($950.7 mil) Quarterly Pretax return on assets: 2.02% ($989.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$49,007Total assets
$7,973Cash and due from depository institutions
$4,935Interest-bearing balances
$12,656Securities
$0Federal funds sold & reverse repurchase agreements
$26,354Net loans & leases
$286Loan loss allowance
$0Trading account assets
$480Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$49,007Life insurance assets
$1,544All other assets
$44,276Total liabilities and capital
$42,791Total liabilities
$30,921Total deposits
$42,791Interest-bearing deposits
$82Deposits held in domestic offices
300.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$28Trading liabilities
$0Other borrowed funds
$1,157Subordinated debt
$4,731All other liabilities
$4,731Total equity capital
$4,731Total bank equity capital
$0Perpetual preferred stock
$360Common stock
$3,190Surplus
$1,181Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$705Income earned, not collected on loans
$0Earning assets
$454Long-term assets (5+ years)
$43,945Average Assets, year-to-date
$3,078Average Assets, quarterly
$45,816Volatile liabilities
$46,287Insider loans
$30,473FHLB advances
$46,316Loans and leases held for sale
$992Unused loan commitments
$992Tier 1 (core) risk-based capital
$4,692Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,699Restructured Loans and leases
$117Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,071Total interest income
$146Total interest expense
$1,925Net interest income
$0Provision for loan and lease losses
$265Total noninterest income
$0Fiduciary activities
$125Service charges on deposit accounts
$0Trading account gains & fees
$140Additional noninterest income
$1,306Total noninterest expense
$659Salaries and employee benefits
$113Premises and equipment expense
$534Additional noninterest expense
$884Pre-tax net operating income
$7Securities gains (losses)
$0Applicable income taxes
$891Income before extraordinary items
$0Extraordinary gains - net
$891Net income attributable to bank
$0Net charge-offs
$891Cash dividends
$0Sale, conversion, retirement of capital stock, net
$648Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.04%Yield on earning assets
0.36%Cost of funding earning assets
4.68%Net interest margin
0.64%Noninterest income to earning assets
3.18%Noninterest expense to earning assets
1.93%Net operating income to assets
1.94%Return on assets (ROA)
1.94%Pretax return on assets
19.39%Return on equity (ROE)
5.29%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
59,635Assets per employee
4.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
72.73%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
40.57%Noncurrent assets plus other real estate owned to assets
1.44%Noncurrent loans to loans
2.65%Net loans and leases to deposits
61.59%Net loans and leases to core deposits
64.85%Equity capital to assets
9.65%Core capital (leverage) ratio
10.13%Tier 1 risk-based capital ratio
15.40%Total risk-based capital ratio
Memoranda
$16Average assets
$45,816Average earning assets
$4,594Average equity
$41,105Average loans
List of branches
1 Montana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
14123
First Security Bank Of Roundup
401 Main Street, Roundup, MT 59072
September 03, 1971
Full Service Brick and Mortar
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