First Montana Bank, Inc.

First Montana Bank, Inc. is headquartered in Libby and is the 18^st largest bank in the state of Montana. It is also the 2,222^nd largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 85 employees at 9 locations. First Montana Bank, Inc. has a 3-star health rating.

Data for Q1 2012

Institution Statistics First Montana Bank, Inc. FDIC Certificate # 363 BankRate Report View Year Established 1913 Employees 85 Primary Regulator FED Assets and Liabilities Assets $293.91 million Loans $172.43 million Deposits $243.19 million Equity Capital $29.29 million Loan Loss Allowance $3.70 million Unbacked Noncurrent Loans $3.65 million Real Estate Owned $1.46 million Historic Data - March 2011 Assets $297.90 million Equity Capital $26.09 million Loan Loss Allowance $3.78 million Unbacked Noncurrent Loans $6.02 million Real Estate Owned $590,000 Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 0.75% Return on Equity 7.6% Interest Income $3.19 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 March 31, 2012 First Montana Bank, Inc. had $5.1 million in non-current loans and owned real-estate with $32.98 million in equity and loan loss allowances on hand to cover it. This gives First Montana Bank, Inc. a Texas Ratio of 15.47% 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 Montana Bank, Inc. decreased slightly from 21.21% as of March 31, 2011 to 15.47% as of March 31, 2012, resulting in a positive change of 27.05%.This indicates that the balance sheet and financial strength for First Montana Bank, Inc. has improved slightly in recent periods. Deposit Growth In the past year, First Montana Bank, Inc. has decreased its total deposits by -$5.4 million, resulting in -2.17% 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 Montana Bank, Inc. has shown is below 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 Montana Bank, Inc. has $293.91 million in assets with $32.98 million in equity, resulting in a capitalization level of 11.22%, which is above average.

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