Rocky Mountain Bank

Rocky Mountain Bank is headquartered in Billings and is the 11^st largest bank in the state of Montana. It is also the 1,548^th largest bank in the nation. It was established in 1970 and as of September of 2011, it had grown to 101 employees at 9 locations. Rocky Mountain Bank has a 4-star health rating.

Rocky Mountain Bank Routing Number: 092901214

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Data for Q3 2011

Institution Statistics Rocky Mountain Bank FDIC Certificate # 20310 BankRate Report View Year Established 1970 Employees 101 Primary Regulator FDIC Assets and Liabilities Assets $425.13 million Loans $249.03 million Deposits $356.35 million Equity Capital $51.11 million Loan Loss Allowance $3.95 million Unbacked Noncurrent Loans $14.33 million Real Estate Owned $2.77 million Historic Data - September 2010 Assets $438.92 million Equity Capital $48.68 million Loan Loss Allowance $5.18 million Unbacked Noncurrent Loans $29.94 million Real Estate Owned $3.76 million Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 0.25% Return on Equity 2.13% Interest Income $14.18 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 September 30, 2011 Rocky Mountain Bank had $17.1 million in non-current loans and owned real-estate with $55.07 million in equity and loan loss allowances on hand to cover it. This gives Rocky Mountain Bank a Texas Ratio of 31.05% 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 Rocky Mountain Bank decreased significantly from 62.55% as of September 30, 2010 to 31.05% as of September 30, 2011, resulting in a positive change of 50.36%.This indicates that the balance sheet and financial strength for Rocky Mountain Bank has improved significantly in recent periods. Deposit Growth In the past year, Rocky Mountain Bank has increased its total deposits by $6.5 million, resulting in 1.86% 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 Rocky Mountain Bank 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. Rocky Mountain Bank has $425.13 million in assets with $55.07 million in equity, resulting in a capitalization level of 12.95%, which is excellent.

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