Institution Statistics
| Bank of Montana | | FDIC Certificate # | 58482 | | BankRate Report | View | | Year Established | 2007 | | Employees | 9 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $34.89 million | | Loans | $25.31 million | | Deposits | $26.44 million | | Equity Capital | $5.25 million | | Loan Loss Allowance | $359,000 |
Historic Data - December 2010 | | Assets | $25.85 million | | Equity Capital | $3.69 million | | Loan Loss Allowance | $265,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.91% | | Return on Assets | 1.58% | | Return on Equity | 10.25% | | Interest Income | $1.40 million |
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Institution Health
Overall Score:
5 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 Montana had $0 in non-current loans and owned real-estate with $5.61 million in equity and loan loss allowances on hand to cover it. This gives Bank of Montana a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Bank of Montana has increased its total deposits by $6.36 million, resulting in 31.66% 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 Montana has shown is excellent. | | 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 Montana has $34.89 million in assets with $5.61 million in equity, resulting in a capitalization level of 16.07%, which is excellent. |
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