Bank of Bridger, National Association in Bridger, Montana (MT), WY
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bank of Bridger, National Association in Bridger, Montana (MT), WY
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Bank of Bridger, National Association - Overview

  • General
  • FDIC Certificate #: 2224
    Status: Active
    Federal Reserve ID: 17950
    Bank Holding Company (Regulatory Top Holder): Bridger Company, The (RSSDID: 1122310, Location: Bridger, MT)
    Date Established: May 01, 1906
    WWW: http://www.bankofbridger.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Domestic: 9, Interstate: Yes)
    OTS Docket #: 13855
    FDIC's unique #: 1475
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Main Street, Bridger, MT 59014
    County: Carbon
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Billings
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Billings, MT (#13740)
    CBSA Metro Statistical Area: Billings, MT (#13740)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $303.8 mil
    Equity capital: $29.1 mil
    Deposits held in domestic offices: $272.1 mil
    Return on assets (ROA): 0.82% ($2.5 mil)
    Quarterly return on assets: 0.93% ($2.8 mil)
    Return on Equity (ROE): 8.79% ($2.5 mil)
    Quarterly return on equity: 9.77% ($2.8 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.05% ($3,189.9 mil)
    Quarterly Pretax return on assets: 1.24% ($3,767.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 78Total employees (full-time equivalent)
  • $303,802Total assets
  • $8,358Cash and due from depository institutions
  • $3,542Interest-bearing balances
  • $136,589Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $146,700Net loans & leases
  • $2,881Loan loss allowance
  • $0Trading account assets
  • $5,419Bank premises and fixed assets
  • $716Other real estate owned
  • $1,695Goodwill and other intangibles
  • $303,802Life insurance assets
  • $4,325All other assets
  • $274,665Total liabilities and capital
  • $272,095Total liabilities
  • $228,155Total deposits
  • $272,095Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $45Trading liabilities
  • $0Other borrowed funds
  • $2,525Subordinated debt
  • $29,137All other liabilities
  • $29,137Total equity capital
  • $29,137Total bank equity capital
  • $0Perpetual preferred stock
  • $725Common stock
  • $13,050Surplus
  • $15,362Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $492Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,607Income earned, not collected on loans
  • $0Earning assets
  • $2,271Long-term assets (5+ years)
  • $286,831Average Assets, year-to-date
  • $134,142Average Assets, quarterly
  • $286,976Volatile liabilities
  • $299,167Insider loans
  • $176,913FHLB advances
  • $300,558Loans and leases held for sale
  • $478Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,585Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $478Total unused commitments
  • $13,730Restructured Loans and leases
  • $798Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,789Total interest income
  • $2,348Total interest expense
  • $10,441Net interest income
  • $1,382Provision for loan and lease losses
  • $793Total noninterest income
  • $0Fiduciary activities
  • $501Service charges on deposit accounts
  • $0Trading account gains & fees
  • $292Additional noninterest income
  • $6,844Total noninterest expense
  • $4,379Salaries and employee benefits
  • $739Premises and equipment expense
  • $1,726Additional noninterest expense
  • $3,008Pre-tax net operating income
  • $11Securities gains (losses)
  • $667Applicable income taxes
  • $2,352Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,352Net income attributable to bank
  • $0Net charge-offs
  • $2,352Cash dividends
  • $879Sale, conversion, retirement of capital stock, net
  • $561Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 3.89%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 8.79%Return on equity (ROE)
  • 6.70%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 157.22%Credit loss provision to net charge-offs
  • 4.99%Efficiency ratio
  • 60,922Assets per employee
  • 3.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.85%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 79.87%Noncurrent assets plus other real estate owned to assets
  • 1.42%Noncurrent loans to loans
  • 2.41%Net loans and leases to deposits
  • 53.91%Net loans and leases to core deposits
  • 65.46%Equity capital to assets
  • 9.59%Core capital (leverage) ratio
  • 8.51%Tier 1 risk-based capital ratio
  • 14.46%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $286,976Average earning assets
  • $26,748Average equity
  • $268,064Average loans

List of branches

  • 5 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01475Bank Of Bridger, National Association101 South Main Street, Bridger, MT 59014May 01, 1906Full Service Brick and Mortar
    3274Harlem BranchFirst Avenue, Harlem, MT 59526June 07, 1917Full Service Brick and Mortar
    4358259Joliet Branch128 East Front Street, Joliet, MT 59041June 16, 1996Full Service Brick and Mortar
    5425734Red Lodge Branch401 North Broadway, Red Lodge, MT 59068November 03, 2003Full Service Brick and Mortar
    7361337Butte Branch3525 Harrison Avenue, Butte, MT 59701June 28, 2001Full Service Retail
  • 4 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    11471Greybull Branch601 Greybull Avenue, Greybull, WY 82426January 01, 1907Full Service Brick and Mortar
    210074Lovell Branch179 East 3rd Street, Lovell, WY 82431January 01, 1921Full Service Brick and Mortar
    6442290Powell Branch856 Road 8, Powell, WY 82435September 27, 2004Full Service Brick and Mortar
    8510603Thermopolis Branch701 Shoshoni, Thermopolis, WY 82443July 21, 2009Full Service Brick and Mortar

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