First Security Bank (MT)

First Security Bank (MT) is headquartered in Bozeman and is the 7^th largest bank in the state of Montana. It is also the 1,193^rd largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 138 employees at 9 locations. First Security Bank (MT) has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Security Bank FDIC Certificate # 1520 BankRate Report View Year Established 1919 Employees 138 Primary Regulator FDIC Assets and Liabilities Assets $566.18 million Loans $320.98 million Deposits $492.99 million Equity Capital $62.52 million Loan Loss Allowance $8.06 million Unbacked Noncurrent Loans $18.17 million Real Estate Owned $2.62 million Historic Data - March 2011 Assets $587.54 million Equity Capital $58.25 million Loan Loss Allowance $7.46 million Unbacked Noncurrent Loans $23.26 million Real Estate Owned $369,000 Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.75% Return on Equity 6.81% Interest Income $5.15 million

Institution Health Overall Score: 4 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 Security Bank (MT) had $20.8 million in non-current loans and owned real-estate with $70.57 million in equity and loan loss allowances on hand to cover it. This gives First Security Bank (MT) a Texas Ratio of 29.47% 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 Security Bank (MT) decreased slightly from 35.96% as of March 31, 2011 to 29.47% as of March 31, 2012, resulting in a positive change of 18.05%.This indicates that the balance sheet and financial strength for First Security Bank (MT) has improved slightly in recent periods. Deposit Growth In the past year, First Security Bank (MT) has increased its total deposits by $7.78 million, resulting in 1.6% 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 Security Bank (MT) 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 Security Bank (MT) has $566.18 million in assets with $70.57 million in equity, resulting in a capitalization level of 12.46%, which is excellent.

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