First Security Bank of Deer Lodge

First Security Bank of Deer Lodge is headquartered in Deer Lodge and is the 68^th largest bank in the state of Montana. It is also the 7,016^st largest bank in the nation. It was established in 1972 and as of March of 2012, it had grown to 11 employees at 1 location. First Security Bank of Deer Lodge has a 4-star health rating.

Data for Q1 2012

Institution Statistics First Security Bank of Deer Lodge FDIC Certificate # 20657 BankRate Report View Year Established 1972 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $27.28 million Loans $17.80 million Deposits $24.34 million Equity Capital $2.82 million Loan Loss Allowance $152,000 Unbacked Noncurrent Loans $53,000 Historic Data - March 2011 Assets $29.98 million Equity Capital $2.53 million Loan Loss Allowance $143,000 Unbacked Noncurrent Loans $407,000 Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 1.18% Return on Equity 11.78% Interest Income $289,000

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 of Deer Lodge had $53,000 in non-current loans and owned real-estate with $2.98 million in equity and loan loss allowances on hand to cover it. This gives First Security Bank of Deer Lodge a Texas Ratio of 1.78% 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 Security Bank of Deer Lodge decreased significantly from 15.20% as of March 31, 2011 to 1.78% as of March 31, 2012, resulting in a positive change of 88.29%.This indicates that the balance sheet and financial strength for First Security Bank of Deer Lodge has improved significantly in recent periods. Deposit Growth In the past year, First Security Bank of Deer Lodge has decreased its total deposits by -$3.04 million, resulting in -11.1% 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 of Deer Lodge has shown is poor. 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 of Deer Lodge has $27.28 million in assets with $2.98 million in equity, resulting in a capitalization level of 10.91%, which is above average.

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