Regulatory Capital

9 Months Ended

Sep. 30, 2011

Regulatory Capital [Abstract]

Regulatory Capital

(7) 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, 2011 and December 31, 2010, 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, 2011 and December 31, 2010 are presented in the following table:

	Actual					Adequately Capitalized					Well Capitalized
As of September 30, 2011:	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total risk-based capital:
Consolidated	$	791,403		16.3	%	$	389,318		8.0	%		NA		NA
FIB		654,062		13.5			387,292		8.0		$	484,115		10.0	%
Tier 1 risk-based capital:
Consolidated		694,838		14.3			194,659		4.0			NA		NA
FIB		577,809		11.9			193,646		4.0		$	290,469		6.0
Leverage capital ratio:
Consolidated		694,838		9.8			284,492		4.0			NA		NA
FIB		577,809		8.2			283,580		4.0		$	354,475		5.0

	Actual					Adequately Capitalized					Well Capitalized
As of December 31, 2010:	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total risk-based capital:
Consolidated	$	772,337		15.5	%	$	398,720		8.0	%		NA		NA
FIB		634,976		12.8			396,754		8.0		$	495,943		10.0	%
Tier 1 risk-based capital:
Consolidated		674,319		13.5			199,360		4.0			NA		NA
FIB		557,261		11.2			198,377		4.0		$	297,566		6.0
Leverage capital ratio:
Consolidated		674,319		9.3			291,023		4.0			NA		NA
FIB		557,261		7.7			290,071		4.0		$	362,589		5.0