West One Bank in Kalispell, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • West One Bank in Kalispell, Montana (MT)
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West One Bank routing number info

West One Bank - Overview

  • General
  • FDIC Certificate #: 57534
    Status: Active
    Federal Reserve ID: 3140309
    Bank Holding Company (Regulatory Top Holder): Bitterroot Holding Company (RSSDID: 1128880, Location: Lolo, MT)
    Date Established: April 01, 2003
    WWW: http://www.westonebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 365178
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 01, 2003
    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: 222 West Idaho Street, Kalispell, MT 59901
    County: Flathead
    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): Kalispell, MT (#28060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $43.3 mil
    Equity capital: $5.2 mil
    Deposits held in domestic offices: $32.3 mil
    Return on assets (ROA): -2.13% (-$0.9 mil)
    Quarterly return on assets: -9.80% (-$4.2 mil)
    Return on Equity (ROE): -16.20% (-$0.8 mil)
    Quarterly return on equity: -74.90% (-$3.7 mil)
    Net income: -$1.0 mil
    Quarterly Net income: -$1.1 mil
    Pretax return on assets: -3.46% (-$1,497.5 mil)
    Quarterly Pretax return on assets: -15.88% (-$6,872.9 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
  • 13Total employees (full-time equivalent)
  • $43,280Total assets
  • $8,124Cash and due from depository institutions
  • $6,810Interest-bearing balances
  • $0Securities
  • $859Federal funds sold & reverse repurchase agreements
  • $29,169Net loans & leases
  • $831Loan loss allowance
  • $0Trading account assets
  • $3,144Bank premises and fixed assets
  • $460Other real estate owned
  • $0Goodwill and other intangibles
  • $43,280Life insurance assets
  • $1,524All other assets
  • $38,130Total liabilities and capital
  • $32,276Total liabilities
  • $28,749Total deposits
  • $32,276Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,776Trading liabilities
  • $0Other borrowed funds
  • $78Subordinated debt
  • $5,150All other liabilities
  • $5,150Total equity capital
  • $5,150Total bank equity capital
  • $0Perpetual preferred stock
  • $1,140Common stock
  • $4,245Surplus
  • $-235Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $277Income earned, not collected on loans
  • $0Earning assets
  • $148Long-term assets (5+ years)
  • $36,838Average Assets, year-to-date
  • $12,790Average Assets, quarterly
  • $45,246Volatile liabilities
  • $43,438Insider loans
  • $30,204FHLB advances
  • $43,478Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,664Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,154Restructured Loans and leases
  • $133Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,375Total interest income
  • $703Total interest expense
  • $1,672Net interest income
  • $2,140Provision for loan and lease losses
  • $196Total noninterest income
  • $0Fiduciary activities
  • $114Service charges on deposit accounts
  • $0Trading account gains & fees
  • $82Additional noninterest income
  • $1,293Total noninterest expense
  • $570Salaries and employee benefits
  • $257Premises and equipment expense
  • $466Additional noninterest expense
  • -$1,565Pre-tax net operating income
  • $0Securities gains (losses)
  • -$600Applicable income taxes
  • -$965Income before extraordinary items
  • $0Extraordinary gains - net
  • -$965Net income attributable to bank
  • $0Net charge-offs
  • -$965Cash dividends
  • $2,443Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.06%Yield on earning assets
  • 1.79%Cost of funding earning assets
  • 4.27%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • -2.13%Net operating income to assets
  • -2.13%Return on assets (ROA)
  • -3.46%Pretax return on assets
  • -16.20%Return on equity (ROE)
  • -16.20%Retained earnings to average equity (YTD only)
  • 7.24%Net charge-offs to loans
  • 87.60%Credit loss provision to net charge-offs
  • 0.24%Efficiency ratio
  • 69,218Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.77%Loss allowance to noncurrent loans
  • 300.00%Noncurrent assets plus other real estate owned to assets
  • 1.70%Noncurrent loans to loans
  • 0.92%Net loans and leases to deposits
  • 90.37%Net loans and leases to core deposits
  • 93.62%Equity capital to assets
  • 11.90%Core capital (leverage) ratio
  • 10.73%Tier 1 risk-based capital ratio
  • 15.44%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $45,246Average earning assets
  • $5,956Average equity
  • $39,201Average loans

List of branches

  • 2 Montana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0365178West One Bank222 West Idaho Street, Kalispell, MT 59901April 01, 2003Full Service Brick and Mortar
    1480117Evergreen Branch2604 Highway 2 East, Kalispell, MT 59901July 28, 2008Full Service Brick and Mortar

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