Glacier Bank

Glacier Bank is headquartered in Kalispell and is the 3^rd largest bank in the state of Montana. It is also the 475^th largest bank in the nation. It was established in 1955 and as of March of 2012, it had grown to 260 employees at 21 locations. Glacier Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Glacier Bank FDIC Certificate # 30788 BankRate Report View Year Established 1955 Employees 260 Primary Regulator FDIC Assets and Liabilities Assets $1.40 billion Loans $770.79 million Deposits $853.86 million Equity Capital $192.25 million Loan Loss Allowance $34.11 million Unbacked Noncurrent Loans $51.05 million Real Estate Owned $8.44 million Historic Data - March 2011 Assets $1.39 billion Equity Capital $174.58 million Loan Loss Allowance $35.90 million Unbacked Noncurrent Loans $55.13 million Real Estate Owned $7.58 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 1.18% Return on Equity 8.56% Interest Income $13.99 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 Glacier Bank had $59.49 million in non-current loans and owned real-estate with $226.35 million in equity and loan loss allowances on hand to cover it. This gives Glacier Bank a Texas Ratio of 26.28% 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 Glacier Bank held steady from 29.78% as of March 31, 2011 to 26.28% as of March 31, 2012, resulting in a positive change of 11.75%.This indicates that the balance sheet and financial strength for Glacier Bank has held steady in recent periods. Deposit Growth In the past year, Glacier Bank has increased its total deposits by $116.45 million, resulting in 15.79% 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 Glacier Bank has shown is excellent. 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. Glacier Bank has $1.4 billion in assets with $226.35 million in equity, resulting in a capitalization level of 16.21%, which is excellent.

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