Flathead Bank of Bigfork, Montana

Flathead Bank of Bigfork, Montana is headquartered in Kalispell and is the 21^st largest bank in the state of Montana. It is also the 3,026^th largest bank in the nation. It was established in 1971 and as of March of 2012, it had grown to 66 employees at 7 locations. Flathead Bank of Bigfork, Montana has a 3-star health rating.

Data for Q1 2012

Institution Statistics Flathead Bank of Bigfork, Montana FDIC Certificate # 20382 BankRate Report View Year Established 1971 Employees 66 Primary Regulator FDIC Assets and Liabilities Assets $207.80 million Loans $122.36 million Deposits $163.25 million Equity Capital $26.10 million Loan Loss Allowance $4.63 million Unbacked Noncurrent Loans $10.89 million Real Estate Owned $6.06 million Historic Data - March 2011 Assets $210.57 million Equity Capital $29.03 million Loan Loss Allowance $3.67 million Unbacked Noncurrent Loans $5.91 million Real Estate Owned $5.45 million Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 0.4% Return on Equity 3.14% Interest Income $1.99 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 Flathead Bank of Bigfork, Montana had $16.95 million in non-current loans and owned real-estate with $30.74 million in equity and loan loss allowances on hand to cover it. This gives Flathead Bank of Bigfork, Montana a Texas Ratio of 55.14% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Flathead Bank of Bigfork, Montana increased slightly from 27.47% as of March 31, 2011 to 55.14% as of March 31, 2012, resulting in a negative change of 100.76%. This indicates that the balance sheet and financial strength for Flathead Bank of Bigfork, Montana has declined slightly in recent periods. Deposit Growth In the past year, Flathead Bank of Bigfork, Montana has increased its total deposits by $121,000, resulting in 0.07% 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 Flathead Bank of Bigfork, Montana has shown is 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. Flathead Bank of Bigfork, Montana has $207.8 million in assets with $30.74 million in equity, resulting in a capitalization level of 14.79%, which is excellent.

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