Stockman Bank of Montana

Stockman Bank of Montana is headquartered in Miles City and is the 2^nd largest bank in the state of Montana. It is also the 332^nd largest bank in the nation. It was established in 1944 and as of March of 2012, it had grown to 447 employees at 27 locations. Stockman Bank of Montana has a 4-star health rating.

Data for Q1 2012

Institution Statistics Stockman Bank of Montana FDIC Certificate # 16191 BankRate Report View Year Established 1944 Employees 447 Primary Regulator FDIC Assets and Liabilities Assets $2.13 billion Loans $1.25 billion Deposits $1.62 billion Equity Capital $212.67 million Loan Loss Allowance $24.18 million Unbacked Noncurrent Loans $16.15 million Real Estate Owned $8.86 million Historic Data - March 2011 Assets $1.98 billion Equity Capital $190.44 million Loan Loss Allowance $21.16 million Unbacked Noncurrent Loans $16.80 million Real Estate Owned $9.95 million Profit Margin - Quarterly Net Interest Margin 3.46% Return on Assets 2% Return on Equity 20.32% Interest Income $20.38 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 Stockman Bank of Montana had $25.01 million in non-current loans and owned real-estate with $236.85 million in equity and loan loss allowances on hand to cover it. This gives Stockman Bank of Montana a Texas Ratio of 10.56% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Stockman Bank of Montana held steady from 12.39% as of March 31, 2011 to 10.56% as of March 31, 2012, resulting in a positive change of 14.75%.This indicates that the balance sheet and financial strength for Stockman Bank of Montana has held steady in recent periods. Deposit Growth In the past year, Stockman Bank of Montana has increased its total deposits by $144.49 million, resulting in 9.8% 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 Stockman Bank of Montana 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. Stockman Bank of Montana has $2.13 billion in assets with $236.85 million in equity, resulting in a capitalization level of 11.10%, which is above average.

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