NINTH FEDERAL RESERVE DISTRICT, BANK DIRECTORY, BY STATE DATA FOR DECEMBER 31, 1995 MONTANA LOAN PORTFOLIO PERFORMANCE RATIOS (PERCENT) NAME CITY COUNTY TOTAL CAPITAL LOAN CATEGORIES AS A PERCENT OF TOTAL LOANS NET NON-C CODE ASSETS AS A % OF TOTAL LOANS COMMERCIAL REAL LOANS TO OTHER RETURN ON RETURN ON INTERESTLOANS TO LOANS T (IN THOUS.)ASSETS (IN THOUS.) & INDUSTRIAL AGRICULTURAL ESTATE INDIVIDUALS LOANS AVE ASSETS EQUITY MARGIN DEPOSITSTOTAL LO NORWEST BK MT NA BILLINGS 111 1,538,189 6.0 968,661 23.4 10.9 27.4 36.4 1.9 1.2 18.0 5.0 73.3 0.3 FIRST BK MONTANA NA BILLINGS 111 1,179,480 7.3 987,605 13.1 8.7 53.1 22.5 2.6 1.8 20.6 7.3 97.6 0.6 FIRST INTERSTATE BK OF CMRC BILLINGS 111 981,502 8.2 627,356 21.8 10.3 39.1 28.1 0.7 1.5 18.2 5.5 79.7 0.5 FIRST INTERSTATE BK MONTANA KALISPELL 29 274,843 7.2 203,503 9.1 4.3 28.4 57.9 0.2 1.9 25.9 5.0 107.2 0.3 FIRST SECURITY BK OF BOZEMAN BOZEMAN 31 185,239 9.2 97,645 47.1 5.6 20.8 25.2 1.4 1.8 18.7 5.5 60.0 0.8 AMERICAN BK OF BILLINGS BILLINGS 111 158,278 6.9 111,623 24.6 6.2 63.4 4.3 1.5 1.3 18.2 6.1 80.7 0.6 ROCKY MOUNTAIN BK BILLINGS 111 158,146 7.5 104,462 17.2 27.6 43.5 10.3 1.3 1.5 19.5 5.6 74.9 1.5 FIRST SECURITY B&TC MILES CITY 17 144,345 8.3 82,138 6.5 66.3 14.7 9.2 3.3 1.6 17.4 4.6 79.4 2.8 FIRSTWEST BK GLENDIVE 21 112,050 8.2 45,451 5.2 58.2 26.1 7.0 3.5 1.3 15.4 3.9 49.1 0.7 FIRST CITIZENS BK OF BILLINGS BILLINGS 111 106,769 7.5 74,705 30.9 3.6 31.2 12.8 21.5 1.5 19.9 5.4 76.5 0.3 FIRST SECURITY BK MISSOULA MISSOULA 63 103,366 8.4 73,239 38.5 0.2 33.0 27.5 0.8 2.7 32.5 7.9 78.0 0.3 FARMERS ST BK VICTOR 81 102,820 15.4 52,271 25.8 13.2 44.1 15.3 1.6 1.4 13.8 4.5 57.3 1.8 VALLEY BK OF KALISPELL KALISPELL 29 97,723 12.6 50,009 36.2 11.3 40.0 12.2 0.2 1.7 13.7 5.2 63.1 1.3 FIRST CMNTY BK GLASGOW 105 91,166 7.2 42,025 10.1 51.5 22.1 15.8 0.5 1.5 19.0 5.0 51.8 0.0 MOUNTAIN WEST BK OF HELENA NA HELENA 49 88,670 6.9 68,559 35.5 2.4 49.5 12.5 0.1 1.6 20.4 5.9 85.0 0.4 RAVALLI COUNTY BK HAMILTON 81 79,227 10.4 53,989 17.6 8.9 67.8 5.5 0.3 1.7 17.5 5.8 76.3 0.9 RICHLAND B&TC SIDNEY 83 75,179 8.4 41,836 9.3 68.6 13.8 7.3 1.0 1.8 21.9 4.8 71.0 0.6 FIRST ST BK OF MALTA MALTA 71 68,707 15.5 30,434 14.9 63.6 11.4 8.8 1.4 1.6 10.0 4.9 52.6 2.6 RONAN ST BK RONAN 47 67,283 9.7 40,947 37.2 23.9 23.2 12.9 2.9 1.1 11.5 5.5 69.2 1.7 SECURITY ST BK PLENTYWOOD MT PLENTYWOOD 91 64,303 9.9 30,001 13.3 49.9 26.3 9.2 1.3 1.1 10.3 4.2 52.2 0.9 YELLOWSTONE BK LAUREL 111 63,355 16.0 23,616 19.5 38.8 29.0 11.3 1.4 1.1 7.2 4.2 46.2 0.0 MOUNTAIN BK WHITEFISH 29 62,651 8.2 49,615 48.4 0.8 40.3 9.2 1.3 1.8 22.1 6.5 92.0 1.1 FARMERS ST BK OF CONRAD CONRAD 73 61,530 8.3 25,327 9.3 65.2 15.6 7.7 2.2 1.3 13.6 4.7 46.2 0.0 FIRST NB IN LIBBY LIBBY 53 61,223 9.9 36,866 18.1 0.4 64.4 16.5 0.6 1.7 16.4 5.8 68.3 0.9 FIRST ST BK OF FORT BENTON FORT BENTON 15 60,544 8.9 35,126 11.7 67.0 11.2 8.9 1.2 1.4 16.4 4.6 66.9 0.0 STATE B&TC DILLON 1 57,992 9.0 36,920 24.9 34.2 29.5 10.2 1.1 1.2 13.7 6.0 70.7 0.3 FIRST NB OF LEWISTOWN LEWISTOWN 27 57,661 8.0 32,601 25.8 31.9 28.6 13.0 0.7 1.4 17.4 5.1 62.1 0.2 CITIZENS ST BK HAMILTON 81 56,745 7.8 33,503 16.6 4.3 70.7 5.3 3.0 1.9 22.1 5.6 65.1 1.1 FIRST SECURITY BK OF HAVRE HAVRE 41 54,352 8.4 34,447 19.6 55.5 11.4 12.7 0.8 1.9 22.2 5.3 70.2 0.3 VALLEY BK OF HELENA HELENA 49 53,611 8.6 34,162 33.5 1.6 44.1 20.8 0.1 1.5 18.0 5.8 77.1 1.6 FIRST ST BK OF SHELBY SHELBY 101 52,606 9.3 27,534 37.9 43.2 8.6 9.7 0.6 1.4 15.5 4.5 58.0 3.2 SECURITY ST B&TC POLSON 47 51,549 11.9 31,397 18.5 25.9 35.6 19.4 0.6 1.3 10.9 6.3 72.0 2.2 FIRST ST BK OF MONTANA THOMPSON FALLS 89 49,959 9.7 32,613 19.0 1.9 68.7 9.4 1.1 1.9 18.7 6.4 73.0 2.8 FIRST ST BK OF FORSYTH FORSYTH 87 49,681 8.9 28,731 17.4 30.9 27.1 23.1 1.4 1.1 12.3 4.6 67.7 2.1 FLATHEAD BK OF BIGFORK BIGFORK 29 47,433 8.2 29,570 36.8 2.1 51.9 8.7 0.6 2.0 24.7 6.4 72.0 0.6 WESTERN BK OF WOLF POINT WOLF POINT 85 41,650 10.2 15,741 10.1 51.8 30.3 7.1 0.6 1.0 9.8 4.9 42.8 0.4 FIRST NB OF FAIRFIELD FAIRFIELD 99 41,049 11.0 19,999 28.0 38.7 12.7 19.8 0.8 1.6 14.3 5.0 60.4 3.0 BITTERROOT VALLEY BK LOLO 63 40,787 8.0 32,994 26.0 5.2 58.2 10.4 0.2 1.6 20.9 6.2 98.0 0.5 BANKWEST NA KALISPELL 29 40,292 9.1 29,391 34.4 0.9 47.5 17.1 0.1 1.6 18.5 6.0 85.3 0.2 CITIZENS B&TC BIG TIMBER 97 39,463 12.2 20,530 16.4 31.1 27.8 17.1 7.7 1.0 8.3 4.3 59.6 0.0 YELLOWSTONE BK COLUMBUS 95 37,993 17.6 14,121 8.8 48.6 33.4 8.0 1.1 1.4 8.0 4.9 49.1 0.1 FIRST SECURITY BK KALISPELL KALISPELL 29 37,963 9.0 24,517 16.6 16.7 53.2 13.5 0.1 1.2 13.4 5.0 71.9 0.2 STATE BK OF TERRY TERRY 79 37,080 12.2 17,270 5.8 83.5 0.2 10.3 0.2 1.3 10.4 4.0 53.5 0.5 MONTANA ST BK PLENTYWOOD 91 36,532 8.5 15,793 9.6 62.3 12.3 10.5 5.3 1.2 14.2 4.3 47.6 0.0 FIRST UNITED BK OF SIDNEY SIDNEY 83 35,523 10.5 25,864 18.1 51.0 15.4 15.2 0.2 1.9 17.3 5.8 83.5 0.5 FIRST SECURITY BK OF ROUNDUP ROUNDUP 65 34,985 10.4 17,898 19.8 47.5 20.2 12.4 0.0 1.8 17.3 5.0 57.3 1.7 STOCKMAN BK OF MT BILLINGS 111 34,891 6.6 17,532 10.6 71.2 14.8 3.4 0.0 (0.4) (5.3) 2.2 55.0 0.0 FIRST CITIZENS BK OF BUTTE BUTTE 93 33,491 10.0 19,274 47.5 1.4 40.2 10.6 0.3 2.0 20.6 6.1 65.1 0.1 MANHATTAN ST BK MANHATTAN 31 32,642 9.7 23,238 17.7 23.5 39.5 19.1 0.2 1.5 15.7 5.7 79.0 0.3 YELLOWSTONE BK BILLINGS 111 32,367 15.9 19,261 39.4 6.0 47.7 6.8 0.1 2.0 11.9 5.6 81.5 0.1 FIRST NB OF WHITEFISH WHITEFISH 29 32,268 10.3 16,761 40.7 0.0 40.1 17.6 1.7 1.8 14.2 6.3 73.0 0.2 LITTLE HORN ST BK HARDIN 3 32,159 10.9 16,588 18.5 35.1 9.3 36.7 0.5 1.3 13.4 4.6 58.5 1.4 BELT VALLEY BK BELT 13 31,972 14.9 20,839 16.6 46.1 22.7 14.5 0.1 (0.4) (2.8) 5.1 77.1 2.5 FIRST SECURITY BK OF HELENA HELENA 49 31,485 8.4 21,242 14.8 0.0 64.8 20.1 0.2 1.2 14.2 5.7 75.0 0.6 COMMUNITY FIRST BK OF GLENDIVEGLENDIVE 21 31,270 8.8 21,001 3.4 85.6 6.9 3.6 0.4 1.3 15.2 5.2 74.9 5.8 RUBY VALLEY NB TWIN BRIDGES 57 30,795 8.3 21,396 18.2 45.0 24.1 11.8 0.9 2.0 22.6 6.5 76.4 1.6 FIRST MADISON VALLEY BK ENNIS 57 30,664 11.2 17,438 31.7 10.4 40.0 17.5 0.4 1.6 13.5 5.9 68.0 0.5 UNITED STATES NB OF RED LODGE RED LODGE 9 30,500 7.6 20,756 18.4 13.4 61.2 2.5 4.5 2.0 25.4 6.6 74.3 0.0 VALLEY BK OF BELGRADE BELGRADE 31 30,220 8.5 17,010 40.6 7.8 39.5 9.9 2.3 2.2 26.8 6.3 64.6 0.0 CITIZENS ST BK OF SCOBEY SCOBEY 19 29,870 10.2 16,553 7.3 76.3 9.7 5.1 1.6 1.6 15.8 5.4 61.9 0.2 FIRST CITIZENS BK NA COLUMBIA FALLS 29 29,590 8.7 19,978 12.8 0.0 80.3 6.6 0.2 1.3 13.1 5.7 75.0 2.0 BASIN ST BK STANFORD 45 29,345 10.2 20,859 12.3 74.7 5.5 7.2 0.3 2.1 21.9 6.0 80.0 1.3 CITIZENS ST BK OF CHOTEAU CHOTEAU 99 29,149 10.6 11,517 30.2 29.2 21.7 17.0 1.8 1.9 18.5 5.4 44.4 0.0 CONTINENTAL NB HARLOWTON HARLOWTON 107 28,552 12.2 13,983 13.9 54.3 19.1 11.9 0.9 1.7 13.7 5.0 56.5 1.4 BANK OF BAKER BAKER 25 27,855 11.6 19,640 30.1 44.9 11.7 8.4 4.9 1.5 13.5 6.0 81.2 1.2 FARMERS ST BK CUT BANK CUT BANK 35 27,624 9.1 11,923 12.0 31.2 37.4 19.2 0.3 0.5 4.9 4.6 47.6 0.1 WESTERN BK OF CHINOOK NA CHINOOK 5 27,322 8.1 18,506 10.4 49.8 15.0 8.7 16.2 1.5 19.4 5.4 77.9 0.4 FLINT CREEK VALLEY BK PHILIPSBURG 39 26,813 13.2 11,843 31.8 36.2 24.7 6.9 0.5 1.4 10.1 5.4 54.3 0.4 FIRST NB OF EUREKA EUREKA 53 25,409 10.2 17,397 23.5 0.3 54.1 21.8 0.4 2.1 20.2 7.0 84.1 0.5 GARFIELD COUNTY BK JORDAN 33 23,461 12.5 12,211 9.2 67.1 17.2 6.3 0.3 1.3 9.7 5.2 59.4 0.5 FIRST NB WHITE SULPHUR SPRINGS 59 22,069 6.9 11,557 16.2 45.2 26.3 8.4 3.9 2.0 15.4 5.1 62.5 1.0 STATE BK OF TOWNSEND TOWNSEND 7 22,044 8.1 13,225 14.2 24.0 49.5 12.2 0.1 1.1 13.6 6.0 68.4 0.5 TRADERS ST BK OF POPLAR POPLAR 85 21,815 10.7 10,161 19.1 49.2 14.3 13.7 3.7 1.3 12.5 5.2 55.9 0.0 FIRST SECURITY BK OF MALTA MALTA 71 21,512 9.7 12,558 19.2 48.4 13.8 17.3 1.2 1.0 9.7 6.0 65.4 3.6 FIRST SECURITY BK OF LAUREL LAUREL 111 20,637 8.4 11,491 39.6 20.9 23.4 6.2 9.9 1.4 16.9 5.3 61.1 1.0 FIRST SECURITY BK WEST YELLOWSTONE 31 20,313 7.7 15,376 39.7 0.0 50.1 10.1 0.1 2.4 26.6 7.1 84.1 0.0 VALLEY BK GLASGOW GLASGOW 105 20,168 8.1 14,146 18.1 31.3 33.8 16.1 0.8 0.3 3.6 5.4 78.1 4.6 LAKE COUNTY BK SAINT IGNATIUS 47 19,943 12.5 9,858 29.8 33.2 13.4 22.2 1.5 1.1 8.8 6.0 57.0 0.0 BIG SKY WESTERN BK BIG SKY 31 19,366 9.0 11,730 22.8 1.8 70.1 5.3 0.0 1.3 14.5 5.0 76.9 0.1 VALLEY BK OF RONAN RONAN 47 19,331 8.1 15,505 23.1 21.3 35.7 19.5 0.4 1.6 20.4 8.6 87.5 0.9 UNITED BK OF ABSAROKEE NA ABSAROKEE 95 18,845 7.7 11,083 17.4 38.9 38.6 4.9 0.3 1.4 18.5 5.5 64.7 0.3 PEOPLES BK DEER LODGE DEER LODGE 77 18,584 9.1 10,127 31.6 12.4 42.9 11.2 1.9 1.4 14.8 5.4 61.1 4.0 FIRST NB OF EKALAKA EKALAKA 11 18,581 11.5 10,859 9.5 80.3 2.1 7.8 0.3 1.8 14.9 5.5 67.6 9.4 FIRST CITIZENS BK OF POLSON POLSON 47 18,394 9.1 11,890 14.9 8.4 66.9 9.7 0.2 1.1 11.6 6.3 72.4 0.9 FIRST SECURITY BK DEER LODGE DEER LODGE 77 18,381 7.5 9,366 12.6 20.0 52.8 14.2 0.4 0.6 7.0 5.1 55.4 2.3 BANK OF BRIDGER BRIDGER 9 17,452 9.1 10,436 17.9 40.3 30.6 4.9 6.2 1.2 13.4 5.3 66.0 2.8 STOCKMENS BK CASCADE 13 16,231 12.3 7,393 22.0 39.2 19.8 17.7 1.3 1.0 8.2 5.5 52.6 3.6 CULBERTSON ST BK CULBERTSON 85 16,109 10.3 6,002 13.6 52.0 22.1 12.3 0.0 1.3 14.0 4.4 42.5 0.4 MOUNTAIN WEST BK GREAT FALLS GREAT FALLS 13 15,636 40.9 2,245 62.7 3.8 28.9 4.6 0.0 (3.4) (8.2) 0.4 18.2 0.0 BLACKFEET NB BROWNING 35 15,469 7.5 8,266 29.8 26.0 30.2 13.6 0.4 0.5 5.6 5.6 58.6 4.8 YELLOWSTONE BK ABSAROKEE 95 14,613 17.8 5,354 9.5 24.5 51.2 14.6 0.2 1.4 7.5 4.9 45.5 0.7 DUTTON ST BK DUTTON 99 14,230 10.9 7,886 17.8 65.3 9.2 6.9 0.7 1.6 14.4 6.0 63.9 12.7 GERALDINE ST BK GERALDINE 15 14,124 11.6 9,391 16.3 74.6 3.4 5.3 0.4 1.2 9.3 4.2 79.5 2.9 FIRST ST BK OF FROID FROID 85 13,067 9.7 5,294 7.5 58.8 22.4 11.4 0.0 0.6 6.3 5.3 45.8 0.9 SECURITY BK OF THREE FORKS THREE FORKS 31 13,064 9.9 6,269 12.8 13.0 53.4 20.8 0.1 1.4 14.3 7.0 54.2 0.0 FARMERS ST BK OF DENTON DENTON 27 11,539 11.2 8,470 15.3 69.8 1.1 13.2 0.7 1.2 10.5 6.6 84.4 4.7 FAIRVIEW BK FAIRVIEW 83 11,435 9.4 7,653 27.1 30.2 33.4 8.1 1.2 1.1 11.8 5.2 74.6 0.0 FIRST BOULDER VALLEY BK BOULDER 43 11,420 11.3 7,471 22.4 8.7 51.1 17.4 0.4 0.9 7.7 6.3 74.5 0.1 COMMUNITY BK MISSOULA MISSOULA 63 10,516 22.2 5,292 49.7 1.2 38.4 10.6 0.1 (1.6) (4.9) 4.6 63.7 0.0 FIRST VALLEY BK SEELEY LAKE 63 10,150 15.9 7,043 52.2 0.1 35.3 10.9 1.5 1.9 11.1 7.3 84.7 0.0 FIRST BK OF LINCOLN LINCOLN 49 9,606 10.0 6,293 53.5 2.2 28.1 16.2 0.0 2.4 23.4 6.6 74.2 1.5 CHEYENNE WESTERN BK ASHLAND 87 7,132 8.3 2,912 12.5 8.8 56.1 22.5 0.1 1.0 11.9 5.9 45.2 0.4 FIRST NB OF MT BUTTE 93 6,218 52.7 1,642 23.5 0.0 57.4 19.0 0.1 (3.4) (3.9) 3.6 43.3 0.0 AMERICAN BK (WHITEFISH) WHITEFISH 29 4,341 54.5 2,446 28.2 12.3 56.2 3.3 0.0 (8.7) (11.8) 4.1 96.2 0.0 Totals/Averages 8,193,543 11.1 5,236,041 22.3 29.9 33.0 13.2 1.5 1.2 14.0 5.4 67.1 1.2