The First State Bank of Shelby

The First State Bank of Shelby is headquartered in Shelby and is the 25^th largest bank in the state of Montana. It is also the 4,120^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 21 employees at 1 location. The First State Bank of Shelby's CD rates are 22% higher than the national average, and it boasts a 5-star health rating.

The First State Bank of Shelby Checking Account Rates

The First State Bank of Shelby Savings Account Rates

The First State Bank of Shelby CD Rates

Data for Q1 2012

Institution Statistics The First State Bank of Shelby FDIC Certificate # 11013 BankRate Report View Year Established 1910 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $136.03 million Loans $22.51 million Deposits $114.14 million Equity Capital $20.91 million Loan Loss Allowance $758,000 Unbacked Noncurrent Loans $780,000 Historic Data - March 2011 Assets $112.53 million Equity Capital $19.49 million Loan Loss Allowance $485,000 Unbacked Noncurrent Loans $1,000,000 Profit Margin - Quarterly Net Interest Margin 3.01% Return on Assets 1.1% Return on Equity 7.13% Interest Income $1.11 million

Institution Health Overall Score: 5 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 The First State Bank of Shelby had $780,000 in non-current loans and owned real-estate with $21.67 million in equity and loan loss allowances on hand to cover it. This gives The First State Bank of Shelby a Texas Ratio of 3.60% 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 The First State Bank of Shelby decreased slightly from 5.01% as of March 31, 2011 to 3.60% as of March 31, 2012, resulting in a positive change of 28.09%.This indicates that the balance sheet and financial strength for The First State Bank of Shelby has improved slightly in recent periods. Deposit Growth In the past year, The First State Bank of Shelby has increased its total deposits by $21.92 million, resulting in 23.77% 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 The First State Bank of Shelby 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. The First State Bank of Shelby has $136.03 million in assets with $21.67 million in equity, resulting in a capitalization level of 15.93%, which is excellent.

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