NINTH FEDERAL RESERVE DISTRICT, BANK DIRECTORY, BY STATE DATA FOR DECEMBER 31, 1994 (SOME COLUMNS ARE HIDDEN) Loan Portfolio Performance Ratios Loan Categories as a Percent of Total Loans MONTANA Total Capital Total Loans Return Net Non-Curre Assets (in as a % of (in thousands Commercial Total Loans: Real Loans to Other on Average Return onInterest Loans to Loans to Bank Name City thousands of $) Assets of $) & Industrial Agricultural Estate Individua Loans Assets Equity Margin Deposits Total Loa FIRST BK MONTANA NA BILLINGS 1,214,386 9.8 930,971 13.8 9.8 47.4 27.4 1.5 1.3 13.9 7.1 86.4 0.5 FIRST INTERSTATE BK OF CMRC BILLINGS 791,969 7.9 527,042 23.2 10.2 33.9 32.0 0.6 1.5 19.8 5.3 80.1 0.4 BANK OF MONTANA NA GREAT FALLS 384,948 7.2 181,346 21.6 21.0 19.0 36.1 2.3 0.4 4.6 4.9 53.5 0.4 FIRST INTERSTATE BK MONTANA KALISPELL 272,389 7.0 187,687 9.8 4.8 30.5 54.5 0.4 1.6 23.8 5.2 94.4 0.1 NORWEST BK BILLINGS NA BILLINGS 264,130 7.1 204,832 18.5 11.5 18.9 49.1 2.0 1.4 21.7 5.3 109.2 0.2 MONTANA BK NA BILLINGS 261,675 10.2 150,005 50.8 6.3 26.7 14.6 1.5 (0.7) (6.8) 5.2 67.6 0.6 FIRST SECURITY BK OF BOZEMAN BOZEMAN 186,987 8.7 93,545 38.3 5.9 24.2 28.2 3.3 1.6 17.4 4.9 54.1 0.7 NORWEST BK GREAT FALLS NA GREAT FALLS 170,735 5.9 127,143 19.6 14.4 20.3 44.8 0.8 1.2 21.7 5.4 102.3 0.2 AMERICAN BK OF BILLINGS BILLINGS 145,718 6.8 101,222 24.3 5.6 63.3 5.4 1.4 1.2 17.9 5.9 78.7 0.2 ROCKY MOUNTAIN BK BILLINGS 141,656 8.0 91,891 16.7 27.3 45.6 9.4 0.9 1.6 20.4 5.6 73.0 1.4 FIRST SECURITY B&TC MILES CITY 130,318 8.9 79,786 6.9 66.1 12.0 10.3 4.7 2.0 24.0 4.7 88.9 0.4 NORWEST BK ANACONDA-BUTTE NA ANACONDA 128,679 5.9 68,219 12.8 7.7 41.0 36.8 1.7 1.0 17.5 4.7 57.6 0.2 NORWEST BK HELENA NA HELENA 123,414 5.7 67,127 10.9 0.6 39.8 45.6 3.1 1.1 19.8 5.1 58.0 0.1 NORWEST BK KALISPELL NA KALISPELL 111,197 6.6 71,065 19.8 1.2 44.9 32.2 1.8 1.7 27.7 5.4 73.5 0.0 FIRST CITIZENS BK OF BILLINGS BILLINGS 103,235 7.3 65,625 31.8 4.4 34.8 14.6 14.5 1.6 20.7 5.2 67.7 0.2 FIRSTWEST BK GLENDIVE 97,425 8.4 41,416 5.4 58.1 25.7 7.0 3.9 1.3 16.1 4.0 49.8 0.8 FARMERS ST BK VICTOR 96,704 10.1 44,224 28.1 12.9 43.7 13.9 1.4 1.4 14.1 4.7 50.1 2.5 VALLEY BK OF KALISPELL KALISPELL 85,605 12.6 45,797 35.9 14.2 35.9 13.6 0.4 1.9 15.7 5.2 60.3 1.3 FIRST SECURITY BK MISSOULA MISSOULA 83,794 7.8 60,493 41.0 0.0 36.5 22.4 0.2 2.5 32.8 7.8 78.5 0.7 RAVALLI COUNTY BK HAMILTON 77,086 9.2 46,936 19.2 8.4 65.7 6.4 0.3 1.6 18.0 5.6 67.2 0.9 RICHLAND B&TC SIDNEY 72,500 7.8 38,213 8.1 65.1 14.8 8.5 3.6 1.5 18.7 4.4 66.8 1.2 RONAN ST BK RONAN 72,398 8.7 38,233 30.6 24.0 31.1 13.6 0.6 1.8 17.6 5.1 59.1 0.7 FIRST CMNTY BK GLASGOW 72,236 9.2 35,983 12.0 48.2 21.8 16.4 1.5 1.5 17.7 5.1 53.9 0.1 NORWEST BK LEWISTOWN NA LEWISTOWN 71,606 5.8 33,340 6.0 26.9 45.7 19.3 2.1 1.2 19.9 4.4 52.4 0.0 FIRST ST BK OF MALTA MALTA 68,216 15.1 28,603 11.1 64.9 12.4 10.1 1.5 1.5 10.1 4.8 47.6 1.2 FARMERS ST BK OF CONRAD CONRAD 65,015 16.3 23,082 6.9 66.6 16.3 8.8 1.4 1.6 10.8 4.8 40.1 0.0 FIRST NB IN LIBBY LIBBY 64,601 11.5 38,210 16.3 0.4 64.2 16.6 2.5 1.4 12.5 5.7 71.4 1.1 SECURITY ST BK PLENTYWOOD MT PLENTYWOOD 63,386 10.9 29,562 12.9 49.3 28.8 8.6 0.4 1.2 11.8 4.4 51.0 0.8 YELLOWSTONE BK LAUREL 62,658 14.7 21,522 13.5 47.2 27.5 10.8 1.0 1.1 7.5 4.2 42.1 0.2 MOUNTAIN WEST BANK HELENA 60,413 9.0 46,309 32.0 2.0 50.2 15.8 0.1 1.6 19.4 7.6 83.0 0.1 FIRST NAT PARK BK LIVINGSTON 59,506 8.5 27,787 13.6 11.9 67.5 6.8 0.3 1.5 18.1 5.4 51.4 0.6 FIRST NB OF LEWISTOWN LEWISTOWN 56,236 8.1 29,867 27.8 30.4 29.1 12.6 0.1 1.4 16.6 4.7 58.0 0.0 STATE B&TC DILLON 54,352 8.9 33,626 26.4 33.1 31.7 8.5 0.3 1.1 13.1 5.8 67.2 0.2 MOUNTAIN BK WHITEFISH 54,251 8.1 38,478 42.8 1.5 42.0 12.4 1.2 1.9 24.6 6.5 77.6 1.8 CITIZENS ST BK HAMILTON 52,570 8.3 25,770 14.1 4.8 69.0 7.8 4.3 1.5 17.4 5.0 54.0 1.5 FIRST ST BK OF FORT BENTON FORT BENTON 52,281 9.1 32,544 11.4 58.7 16.4 11.9 1.6 1.5 17.8 4.8 68.9 0.0 SECURITY ST B&TC POLSON 49,857 11.3 28,341 18.5 28.5 32.5 19.7 0.9 1.0 9.9 5.2 63.8 1.0 VALLEY BK OF HELENA HELENA 49,647 8.7 29,690 41.6 1.0 29.4 27.6 0.4 1.4 16.9 5.5 66.6 2.0 FIRST ST BK OF SHELBY SHELBY 49,418 8.3 25,836 38.5 42.3 7.8 10.8 0.6 1.3 17.9 4.5 55.5 1.6 FIRST ST BK OF FORSYTH FORSYTH 45,789 8.8 24,992 9.3 32.2 30.5 25.5 2.4 1.4 16.7 4.5 61.7 2.3 FIRST SECURITY BK OF HAVRE HAVRE 44,874 8.6 30,862 18.2 55.6 14.5 10.8 0.9 1.6 19.2 4.6 75.4 0.3 FIRST ST BK OF MONTANA THOMPSON FALLS 43,229 9.9 27,806 16.9 3.0 67.2 11.5 1.4 2.0 21.5 6.3 70.1 4.4 FLATHEAD BK OF BIGFORK BIGFORK 41,087 8.0 26,695 34.1 4.5 52.6 8.1 0.7 2.0 25.8 6.7 74.4 0.0 FIRST CITIZENS BK OF BOZEMAN BOZEMAN 39,994 9.2 21,432 59.2 0.1 17.0 23.7 0.1 2.0 23.1 6.3 58.4 1.0 WESTERN BK OF WOLF POINT WOLF POINT 39,365 9.8 15,453 9.7 52.4 29.6 7.1 1.3 0.7 6.8 4.6 43.5 1.0 CITIZENS B&TC BIG TIMBER 38,046 11.8 16,439 15.9 38.3 27.0 18.7 0.0 0.7 6.4 3.9 47.9 0.0 FIRST NB OF FAIRFIELD FAIRFIELD 37,862 10.8 16,770 27.5 39.2 13.9 18.6 0.8 1.5 13.3 4.9 51.7 1.1 BITTERROOT VALLEY BK LOLO 36,499 7.4 26,593 33.9 5.2 49.5 11.1 0.2 1.5 20.3 5.8 84.7 1.0 MONTANA ST BK PLENTYWOOD 35,675 7.9 14,670 5.6 69.2 12.1 10.4 2.7 0.9 11.3 3.7 43.8 2.0 FIRST SECURITY BK KALISPELL KALISPELL 35,610 8.9 20,559 12.5 15.3 56.6 15.5 0.1 1.2 14.1 5.3 66.5 0.0 YELLOWSTONE BK COLUMBUS 35,302 17.3 12,629 8.2 47.3 35.2 8.8 0.4 1.4 7.9 4.6 47.5 0.1 LITTLE HORN ST BK HARDIN 35,220 10.2 14,573 15.4 36.4 15.8 32.2 0.2 1.3 14.3 4.7 44.7 0.6 STATE BK OF TERRY TERRY 35,185 11.9 16,487 7.3 81.9 1.3 9.3 0.2 1.1 9.9 3.9 51.3 1.5 BANKWEST NA KALISPELL 34,818 8.8 24,559 41.1 0.5 36.9 21.3 0.2 1.6 19.0 6.3 79.2 0.1 FIRST SECURITY BK OF HELENA HELENA 34,387 7.4 20,674 15.7 0.0 62.1 21.9 0.3 1.0 13.6 4.8 64.1 0.9 FIRST SECURITY BK OF ROUNDUP ROUNDUP 34,087 9.9 16,307 17.3 50.8 20.0 11.9 0.0 1.8 17.3 4.8 52.7 0.4 NORWEST BK DILLON NA DILLON 33,847 6.9 17,961 6.7 25.8 27.1 40.1 0.4 0.9 14.2 4.8 62.8 0.1 FIRST UNITED BK OF SIDNEY SIDNEY 32,210 10.7 25,135 15.9 52.7 14.5 16.2 0.7 1.5 13.9 5.3 87.3 0.6 WESTERN BK OF CHINOOK NA CHINOOK 30,958 7.7 15,051 11.5 54.3 12.2 9.0 13.0 1.3 13.7 4.5 64.6 1.1 FIRST FIDELITY BK GLENDIVE 30,819 8.0 19,765 2.9 84.8 7.5 4.0 0.7 1.5 17.6 5.0 69.7 0.8 BELT VALLEY BK BELT 30,814 16.0 19,573 16.1 43.1 24.6 15.8 0.3 1.1 6.8 4.9 74.6 4.1 MANHATTAN ST BK MANHATTAN 30,781 9.1 21,544 13.4 23.2 44.5 18.8 0.1 1.6 18.4 5.7 75.7 0.1 BANK OF BAKER BAKER 30,479 10.0 19,546 33.8 42.9 13.8 9.0 0.6 2.2 21.0 5.9 71.2 1.4 FIRST NB OF WHITEFISH WHITEFISH 30,447 13.5 18,471 48.4 0.0 35.0 14.7 1.9 1.9 15.2 6.5 76.3 0.0 FIRST MADISON VALLEY BK ENNIS 30,331 10.5 16,917 34.4 12.0 36.9 16.1 0.5 1.3 11.9 5.5 62.8 0.0 FIRST CITIZENS BK OF BUTTE BUTTE 30,093 9.6 15,135 53.6 1.8 33.3 10.7 0.6 1.4 14.1 5.9 54.5 0.3 FIRST CITIZENS BK NA COLUMBIA FALLS 29,950 8.7 18,802 15.8 0.0 77.6 6.6 0.0 1.2 13.4 5.7 68.8 2.6 RUBY VALLEY NB TWIN BRIDGES 29,255 8.1 19,771 16.9 45.9 25.3 10.8 1.0 1.6 20.8 6.1 72.7 1.1 YELLOWSTONE BK BILLINGS 28,714 13.9 11,162 46.9 0.9 40.2 12.0 0.1 1.5 11.5 4.6 45.2 0.0 FARMERS ST BK CUT BANK CUT BANK 28,301 12.4 11,842 14.4 35.6 32.0 16.4 1.5 0.9 8.0 4.9 46.3 0.3 CITIZENS ST BK OF SCOBEY SCOBEY 28,258 9.4 15,772 6.1 79.1 9.0 4.6 1.2 1.3 14.3 4.7 60.6 0.6 VALLEY BK OF BELGRADE BELGRADE 28,231 7.8 18,969 39.6 7.4 44.0 8.9 0.2 2.0 27.1 5.9 75.6 0.0 CONTINENTAL NB HARLOWTON HARLOWTON 27,956 11.3 13,575 11.5 57.7 17.3 11.4 2.1 1.5 13.5 4.6 54.3 0.2 UNITED STATES NB OF RED LODGE RED LODGE 27,876 7.5 16,957 19.1 15.8 59.8 2.6 2.7 2.0 25.2 6.5 64.9 0.0 BASIN ST BK STANFORD 27,053 8.6 18,882 8.0 80.4 5.3 6.3 0.0 1.6 16.7 5.0 75.8 0.3 FLINT CREEK VALLEY BK PHILIPSBURG 25,903 13.3 11,702 22.5 33.4 33.0 6.6 4.5 1.8 13.9 5.2 55.4 0.3 CITIZENS ST BK OF CHOTEAU CHOTEAU 24,574 10.4 8,965 29.5 29.5 23.2 15.8 1.9 1.7 17.3 4.8 41.8 0.0 FARMERS ST BK OF WORDEN WORDEN 23,498 12.4 12,497 11.5 77.0 6.9 4.6 0.1 0.1 1.4 1.0 59.4 0.0 STATE BK OF TOWNSEND TOWNSEND 22,310 7.7 13,009 26.2 22.2 37.2 14.4 0.0 0.7 9.5 5.7 63.2 0.4 FIRST NB OF EUREKA EUREKA 21,785 9.2 17,879 25.8 0.4 60.0 13.4 0.4 1.8 21.7 6.5 99.0 0.1 TRADERS ST BK OF POPLAR POPLAR 21,712 10.2 10,325 15.8 54.0 16.1 13.5 0.5 0.6 5.5 5.1 62.2 0.0 FIRST SECURITY BK WEST YELLOWSTONE 21,103 8.4 14,032 39.4 0.0 48.4 12.2 0.0 2.1 24.0 6.5 75.7 0.0 VALLEY BK GLASGOW GLASGOW 20,489 7.9 13,739 19.0 30.7 34.8 14.7 0.9 1.1 15.0 5.2 71.9 2.9 GARFIELD COUNTY BK JORDAN 20,463 12.9 11,591 9.7 66.2 17.4 6.3 0.4 1.4 11.2 4.8 64.3 0.6 FIRST NB WHITE SULPHUR SPRINGS 20,044 12.1 10,067 13.6 45.6 29.3 8.7 2.7 1.1 9.0 4.8 55.8 2.5 LAKE COUNTY BK SAINT IGNATIUS 19,273 11.8 9,734 35.3 31.9 9.9 22.5 0.3 0.9 7.5 5.6 56.5 0.0 FIRST SECURITY BK OF LAUREL LAUREL 19,270 7.9 10,083 38.6 21.7 27.4 6.9 5.4 1.1 13.6 4.8 56.4 1.5 FIRST SECURITY BK OF MALTA MALTA 18,931 10.4 13,112 20.2 47.5 14.7 17.1 0.5 1.3 12.6 5.9 75.9 5.5 FIRST CITIZENS BK OF POLSON POLSON 18,813 8.9 12,758 22.7 8.0 60.7 8.4 0.2 1.3 14.5 6.2 80.4 0.3 PEOPLES BK DEER LODGE DEER LODGE 18,579 8.7 9,584 37.4 10.5 40.5 11.2 0.4 0.9 9.7 4.8 55.5 5.0 FIRST NB OF EKALAKA EKALAKA 18,203 11.3 9,689 9.3 78.0 3.0 9.4 0.4 1.6 13.4 5.4 60.4 1.0 FIRST SECURITY BK DEER LODGE DEER LODGE 17,936 7.3 9,752 12.4 15.1 55.9 16.1 0.5 0.5 6.4 4.7 58.9 0.9 VALLEY BK OF RONAN RONAN 17,663 7.7 12,597 25.0 24.1 32.8 17.5 0.5 1.2 15.2 7.9 76.1 0.4 CULBERTSON ST BK CULBERTSON 16,680 8.9 5,121 7.0 58.3 23.9 10.9 0.0 1.3 15.1 4.6 34.9 2.9 UNITED BK OF ABSAROKEE NA ABSAROKEE 16,158 7.9 8,503 15.7 40.0 37.2 7.1 0.1 1.5 18.5 5.4 56.8 0.0 BANK OF BRIDGER BRIDGER 15,938 9.0 9,191 14.8 46.6 31.9 5.5 1.3 1.2 13.6 5.3 62.5 2.0 STOCKMENS BK CASCADE 15,412 12.1 6,830 20.5 40.0 22.8 15.8 1.0 1.2 10.3 5.7 48.9 1.8 YELLOWSTONE BK ABSAROKEE 15,076 19.1 5,151 9.0 19.4 57.3 14.2 0.1 1.5 7.9 4.5 44.7 2.4 BIG SKY WESTERN BK BIG SKY 14,070 7.9 9,048 20.3 0.0 74.7 5.0 0.0 1.0 12.1 5.5 78.7 0.0 DUTTON ST BK DUTTON 14,035 12.2 8,031 15.3 66.9 8.3 8.8 0.7 2.2 19.5 5.7 65.2 10.4 GERALDINE ST BK GERALDINE 13,634 15.3 7,990 8.3 82.1 4.3 5.0 0.2 3.7 26.6 4.9 86.9 2.5 CITIZENS FIRST NB WOLF POINT WOLF POINT 13,300 10.2 5,543 13.1 43.6 27.1 15.3 1.0 0.9 9.0 4.9 45.1 3.7 BLACKFEET NB BROWNING 12,849 9.6 6,576 32.9 26.5 22.6 16.8 1.1 0.9 9.9 5.9 55.5 0.0 FIRST ST BK OF FROID FROID 12,844 9.3 5,180 3.7 57.9 27.4 11.1 0.0 0.6 6.3 5.1 44.0 1.0 FARMERS ST BK OF DENTON DENTON 12,233 10.9 8,997 15.2 69.6 1.5 13.4 0.3 1.2 10.7 6.4 81.4 4.2 SECURITY BK OF THREE FORKS THREE FORKS 11,362 9.4 5,955 18.7 15.4 41.1 24.6 0.1 1.6 17.8 6.6 56.6 0.0 FIRST BOULDER VALLEY BK BOULDER 10,614 11.8 6,742 30.6 11.2 40.9 17.1 0.2 1.2 9.6 6.1 71.3 0.0 FAIRVIEW BK FAIRVIEW 10,421 9.1 5,733 32.2 35.3 19.0 11.9 1.6 1.1 12.5 4.9 60.0 0.0 FIRST NB&TC WIBAUX WIBAUX 10,018 15.2 3,560 3.0 78.7 6.4 11.9 0.0 0.7 4.9 4.3 39.6 8.4 FIRST VALLEY BK SEELEY LAKE 8,494 17.2 4,736 54.1 0.4 32.1 12.4 1.0 1.6 9.7 6.3 66.8 0.0 FIRST BK OF LINCOLN LINCOLN 8,448 9.3 5,849 47.9 3.1 30.6 18.4 0.0 2.3 25.5 6.5 76.6 0.3 CHEYENNE WESTERN BK ASHLAND 7,808 7.9 2,739 12.3 6.3 58.5 22.5 0.4 0.5 5.8 5.4 37.7 0.9