Peoples Bank of Deer Lodge in Deer Lodge, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank of Deer Lodge - Overview

  • General
  • FDIC Certificate #: 26941
    Status: Active
    Federal Reserve ID: 639857
    Bank Holding Company (Regulatory Top Holder): Sandquist Corp. (RSSDID: 1144077, Location: Deer Lodge, MT)
    Date Established: April 09, 1987
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 36341
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: April 09, 1987
    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: 430 Main Street, Deer Lodge, MT 59722
    County: Powell
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $26.6 mil
    Equity capital: $2.9 mil
    Deposits held in domestic offices: $23.5 mil
    Return on assets (ROA): 0.61% ($0.2 mil)
    Quarterly return on assets: 0.51% ($0.1 mil)
    Return on Equity (ROE): 6.28% ($0.2 mil)
    Quarterly return on equity: 4.58% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.86% ($228.9 mil)
    Quarterly Pretax return on assets: 0.79% ($210.3 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
  • 10Total employees (full-time equivalent)
  • $26,622Total assets
  • $4,844Cash and due from depository institutions
  • $100Interest-bearing balances
  • $7,735Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $13,181Net loans & leases
  • $244Loan loss allowance
  • $0Trading account assets
  • $189Bank premises and fixed assets
  • $177Other real estate owned
  • $0Goodwill and other intangibles
  • $26,623Life insurance assets
  • $496All other assets
  • $23,741Total liabilities and capital
  • $23,521Total liabilities
  • $14,528Total deposits
  • $23,521Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $220Subordinated debt
  • $2,882All other liabilities
  • $2,882Total equity capital
  • $2,882Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $1,475Surplus
  • $807Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $248Income earned, not collected on loans
  • $0Earning assets
  • $252Long-term assets (5+ years)
  • $21,016Average Assets, year-to-date
  • $10,857Average Assets, quarterly
  • $28,384Volatile liabilities
  • $25,929Insider loans
  • $13,985FHLB advances
  • $25,916Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,654Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,188Restructured Loans and leases
  • $583Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,161Total interest income
  • $116Total interest expense
  • $1,045Net interest income
  • $14Provision for loan and lease losses
  • $155Total noninterest income
  • $0Fiduciary activities
  • $71Service charges on deposit accounts
  • $0Trading account gains & fees
  • $84Additional noninterest income
  • $988Total noninterest expense
  • $483Salaries and employee benefits
  • $173Premises and equipment expense
  • $332Additional noninterest expense
  • $198Pre-tax net operating income
  • $46Securities gains (losses)
  • $70Applicable income taxes
  • $174Income before extraordinary items
  • $0Extraordinary gains - net
  • $174Net income attributable to bank
  • $0Net charge-offs
  • $174Cash dividends
  • -$7Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.92%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 4.43%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 4.19%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 6.28%Return on equity (ROE)
  • 6.28%Retained earnings to average equity (YTD only)
  • -0.05%Net charge-offs to loans
  • -200.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 82,333Assets per employee
  • 2.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 98.39%Noncurrent assets plus other real estate owned to assets
  • 1.60%Noncurrent loans to loans
  • 1.85%Net loans and leases to deposits
  • 56.04%Net loans and leases to core deposits
  • 56.76%Equity capital to assets
  • 10.83%Core capital (leverage) ratio
  • 10.24%Tier 1 risk-based capital ratio
  • 18.98%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $28,384Average earning assets
  • $2,769Average equity
  • $23,583Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036341Peoples Bank Of Deer Lodge430 Main Street, Deer Lodge, MT 59722April 09, 1987Full Service Brick and Mortar

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