First Citizens Bank of Butte

First Citizens Bank of Butte is headquartered in Butte and is the 44^th largest bank in the state of Montana. It is also the 5,796^th largest bank in the nation. It was established in 1977 and as of March of 2012, it had grown to 20 employees at 2 locations. First Citizens Bank of Butte has a 3-star health rating.

Data for Q1 2012

Institution Statistics First Citizens Bank of Butte FDIC Certificate # 22502 BankRate Report View Year Established 1977 Employees 20 Primary Regulator FED Assets and Liabilities Assets $69.12 million Loans $42.31 million Deposits $56.42 million Equity Capital $6.51 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $1.70 million Historic Data - March 2011 Assets $65.17 million Equity Capital $6.16 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $944,000 Real Estate Owned $15,000 Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 1.11% Return on Equity 11.91% Interest Income $727,000

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 March 31, 2012 First Citizens Bank of Butte had $1.7 million in non-current loans and owned real-estate with $7.67 million in equity and loan loss allowances on hand to cover it. This gives First Citizens Bank of Butte a Texas Ratio of 22.23% 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 First Citizens Bank of Butte increased slightly from 12.67% as of March 31, 2011 to 22.23% as of March 31, 2012, resulting in a negative change of 75.37%. This indicates that the balance sheet and financial strength for First Citizens Bank of Butte has declined slightly in recent periods. Deposit Growth In the past year, First Citizens Bank of Butte has increased its total deposits by $2.15 million, resulting in 3.97% 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 Citizens Bank of Butte 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 Citizens Bank of Butte has $69.12 million in assets with $7.67 million in equity, resulting in a capitalization level of 11.09%, which is above average.

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