Bank of Bozeman

Bank of Bozeman is headquartered in Bozeman and is the 48^th largest bank in the state of Montana. It is also the 5,877^th largest bank in the nation. It was established in 2005 and as of December of 2011, it had grown to 20 employees at 1 location. Bank of Bozeman has a 3-star health rating.

Bank of Bozeman Routing Number: 092905443

Data for Q4 2011

Institution Statistics Bank of Bozeman FDIC Certificate # 57952 BankRate Report View Year Established 2005 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $67.00 million Loans $37.32 million Deposits $61.22 million Equity Capital $5.44 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $1.95 million Historic Data - December 2010 Assets $73.46 million Equity Capital $6.34 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $4.23 million Real Estate Owned $2.71 million Profit Margin - Quarterly Net Interest Margin 2.44% Return on Assets -4.1% Return on Equity -49.48% Interest Income $2.24 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Bozeman had $1.95 million in non-current loans and owned real-estate with $6.66 million in equity and loan loss allowances on hand to cover it. This gives Bank of Bozeman a Texas Ratio of 29.35% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Bozeman decreased significantly from 92.04% as of December 31, 2010 to 29.35% as of December 31, 2011, resulting in a positive change of 68.12%.This indicates that the balance sheet and financial strength for Bank of Bozeman has improved significantly in recent periods. Deposit Growth In the past year, Bank of Bozeman has decreased its total deposits by -$5.49 million, resulting in -8.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Bozeman has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Bozeman has $67 million in assets with $6.66 million in equity, resulting in a capitalization level of 9.93%, which is average.

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