First Bank of Montana

First Bank of Montana is headquartered in Lewistown and is the 19^st largest bank in the state of Montana. It is also the 2,312^st largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 36 employees at 2 locations. First Bank of Montana has a 5-star health rating.

First Bank of Montana Routing Number: 092900736

Data for Q1 2012

Institution Statistics First Bank of Montana FDIC Certificate # 2191 BankRate Report View Year Established 1924 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $279.91 million Loans $111.45 million Deposits $177.58 million Equity Capital $36.33 million Loan Loss Allowance $2.89 million Unbacked Noncurrent Loans $278,000 Historic Data - March 2011 Assets $254.76 million Equity Capital $33.53 million Loan Loss Allowance $3.02 million Unbacked Noncurrent Loans $51,000 Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 1.5% Return on Equity 11.42% Interest Income $2.39 million

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 March 31, 2012 First Bank of Montana had $278,000 in non-current loans and owned real-estate with $39.22 million in equity and loan loss allowances on hand to cover it. This gives First Bank of Montana a Texas Ratio of 0.71% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Bank of Montana held steady from 0.14% as of March 31, 2011 to 0.71% as of March 31, 2012, resulting in a negative change of 407.84%. This indicates that the balance sheet and financial strength for First Bank of Montana has held steady in recent periods. Deposit Growth In the past year, First Bank of Montana has increased its total deposits by $4.18 million, resulting in 2.41% 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 First Bank of Montana has shown is above average. 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. First Bank of Montana has $279.91 million in assets with $39.22 million in equity, resulting in a capitalization level of 14.01%, which is excellent.

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