Glacier Bancorp Financials


Glacier Bancorp has total assets of $5,458 million and year-to-date net operating income of $58 million. Glacier Bancorp financials obtained from the Federal Deposit Insurance Corporation (FDIC). Financial data is updated quarterly in Call Reports or Thrift Financial Reports filed by the bank. Data last updated on December 1, 2008 for the period ending on September 30, 2008.	Profile Financials Chargeoff Statistics Delinquency Statistics Assets Securitized and Sold Performance and Condition Ratios

			All Banks

Assets	$ (millions)	% of Assets	$ (millions)	% of Assets
Loans Secured by Real Estate	3,269	59.90%	4,750,985	34.90%
1-4 Family Residential Mortgages	1,150	21.07%	2,754,199	20.23%
First Lien	674	12.35%	1,864,576	13.70%
Second Lien	91	1.67%	237,504	1.74%
Home Equity Lines	385	7.05%	652,119	4.79%
Multifamily Residential	49	0.91%	205,193	1.51%
Nonfarm Residential	933	17.10%	1,043,393	7.66%
Construction and Development	1,068	19.57%	617,055	4.53%
Farmland Loans	68	1.25%	62,138	0.46%
Loans Held in Foreign Offices	0	0.00%	69,008	0.51%
Commericial and Industrial Loans	439	8.04%	1,510,091	11.09%
Loans to Individuals	141	2.58%	1,082,731	7.95%
Credit Cards	0	0.01%	411,627	3.02%
Farm Loans	46	0.85%	59,656	0.44%
Other Loans and Leases	29	0.53%	595,646	4.38%
Less: Unearned Income	0	0.00%	2,741	0.02%
Total Loans and Leases	3,924	71.89%	8,000,084	58.77%
Less: Reserve for Losses	66	1.20%	156,065	1.15%
Net Loans and Leases	3,858	70.68%	7,844,019	57.62%
Securities	784	14.36%	2,027,739	14.90%
Other Real Estate Owned	9	0.17%	22,966	0.17%
Goodwill and Intangibles	153	2.81%	484,178	3.56%
All Other Assets	654	11.98%	3,207,062	23.56%
Total Assets	$5,458	100.00%	$13,613,150	100.00%

			All Banks

Liabilities and Capital	$ (millions)	% of Assets	$ (millions)	% of Assets
Deposits	3,073	56.31%	8,749,418	64.27%
Domestic Deposits	3,073	56.31%	7,230,058	53.11%
Transaction Accounts	451	8.26%	809,200	5.94%
Nontransaction Accounts	2,622	48.05%	6,420,965	47.17%
Money Market	744	13.63%	2,798,868	20.56%
Other Savings Accounts	1,069	19.59%	841,348	6.18%
Time Deposits	809	14.82%	2,773,205	20.37%
Foreign Deposits	0	0.00%	1,519,360	11.16%
Federal Funds Purchased	477	8.74%	936,578	6.88%
Trading Liabilities	0	0.00%	356,967	2.62%
Subordinated Debt	0	0.00%	176,833	1.30%
Other Borrowed Funds	1,227	22.48%	1,684,829	12.38%
All Other Liabilities	26	0.48%	401,428	2.95%
Equity Capital	655	12.00%	1,307,097	9.60%
Total Liabilities and Capital	$5,458	100.00%	$13,613,150	100.00%

			All Banks

Income Data (2008 YTD)	$ (millions)	% of Assets*	$ (millions)	% of Assets*
Total Interest Income	237	5.79%	487,019	4.77%
Total Interest Expense	71	1.74%	207,949	2.04%
Net Interest Income	166	4.04%	279,070	2.73%
Provision for Loan and Lease Losses	16	0.40%	124,517	1.22%
Total Noninterest Income	46	1.12%	175,521	1.72%
Total Noninterest Expense	108	2.65%	274,323	2.69%
Salaries and Benefits	57	1.38%	122,518	1.20%
Premises and Equipment Expense	13	0.32%	33,971	0.33%
Additional Noninterest Expense	39	0.95%	117,834	1.15%
Securities Gains (Losses)	-7	-0.18%	-8,037	-0.08%
Applicable Income Taxes	27	0.66%	15,679	0.15%
Extraordinary Gains, Net	0	0.00%	534	0.01%
Net Income	53	1.29%	32,569	0.32%
Cash Dividends, Net	21	0.50%	42,592	0.42%
Retained Earnings	32	0.79%	-10,023	-0.10%
Net Operating Income	$58	1.42%	$37,457	0.37%

* Annualized

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