Regulatory Capital

9 Months Ended

Sep. 30, 2012

Banking and Thrift [Abstract]

Regulatory Capital

Regulatory Capital

The Company is subject to the regulatory capital requirements administered by federal banking regulators and the Federal Reserve. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios of total and tier 1 capital to risk-weighted assets, and of tier 1 capital to average assets, as defined in the regulations. As of September 30, 2012 and December 31, 2011, the Company exceeded all capital adequacy requirements to which it is subject.

Actual capital amounts and ratios and selected minimum regulatory thresholds for the Company and its bank subsidiary, First Interstate Bank (“FIB”), as of September 30, 2012 and December 31, 2011 are presented in the following table:

	Actual				Adequately Capitalized				Well Capitalized
	Amount		Ratio		Amount		Ratio		Amount		Ratio
September 30, 2012
Total risk-based capital:
Consolidated	$	790,896	16.5	%	$	382,980	8.0	%	NA		NA
FIB	687,085		14.4		381,297		8.0		$	476,621	10.0	%
Tier 1 risk-based capital:
Consolidated	695,572		14.5		191,490		4.0		NA		NA
FIB	612,021		12.8		190,648		4.0		$	285,973	6.0
Leverage capital ratio:
Consolidated	695,572		9.6		291,093		4.0		NA		NA
FIB	612,021		8.4		290,214		4.0		$	362,768	5.0

	Actual				Adequately Capitalized				Well Capitalized
	Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2011
Total risk-based capital:
Consolidated	$	800,354	16.5	%	$	387,082	8.0	%	NA		NA
FIB	663,860		13.8		384,987		8.0		$	481,234	10.0	%
Tier 1 risk-based capital:
Consolidated	704,229		14.6		193,541		4.0		NA		NA
FIB	588,059		12.2		192,494		4.0		$	288,740	6.0
Leverage capital ratio:
Consolidated	704,229		9.8		286,303		4.0		NA		NA
FIB	588,059		8.2		285,358		4.0		$	356,698	5.0