Prairie Mountain Bank in Great Falls, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

Prairie Mountain Bank - Overview

  • General
  • FDIC Certificate #: 57453
    Status: Active
    Federal Reserve ID: 3097243
    Date Established: November 01, 2002
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 363815
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 01, 2002
    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: 1019 7th Street South, Great Falls, MT 59405
    County: Cascade
    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
    Metropolitan Statistical Area (MSA): Great Falls, MT (#3040)
    Core Based Statistical Area (CBSA): Great Falls, MT (#24500)
    CBSA Metro Statistical Area: Great Falls, MT (#24500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $69.0 mil
    Equity capital: $6.3 mil
    Deposits held in domestic offices: $61.5 mil
    Return on assets (ROA): 0.98% ($0.7 mil)
    Quarterly return on assets: 1.07% ($0.7 mil)
    Return on Equity (ROE): 10.88% ($0.7 mil)
    Quarterly return on equity: 11.80% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.63% ($1,124.4 mil)
    Quarterly Pretax return on assets: 1.76% ($1,214.1 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
  • 29Total employees (full-time equivalent)
  • $68,982Total assets
  • $7,472Cash and due from depository institutions
  • $5,093Interest-bearing balances
  • $1,191Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $55,933Net loans & leases
  • $1,204Loan loss allowance
  • $0Trading account assets
  • $3,253Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $68,982Life insurance assets
  • $1,133All other assets
  • $62,633Total liabilities and capital
  • $61,491Total liabilities
  • $53,014Total deposits
  • $61,491Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,017Trading liabilities
  • $0Other borrowed funds
  • $125Subordinated debt
  • $6,349All other liabilities
  • $6,349Total equity capital
  • $6,349Total bank equity capital
  • $0Perpetual preferred stock
  • $6,084Common stock
  • $1,459Surplus
  • $-1,194Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $86Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,065Income earned, not collected on loans
  • $0Earning assets
  • $310Long-term assets (5+ years)
  • $62,217Average Assets, year-to-date
  • $1,397Average Assets, quarterly
  • $68,309Volatile liabilities
  • $69,159Insider loans
  • $58,127FHLB advances
  • $70,200Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,405Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,197Restructured Loans and leases
  • $2,780Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,850Total interest income
  • $489Total interest expense
  • $3,361Net interest income
  • $216Provision for loan and lease losses
  • $626Total noninterest income
  • $0Fiduciary activities
  • $82Service charges on deposit accounts
  • $0Trading account gains & fees
  • $544Additional noninterest income
  • $2,678Total noninterest expense
  • $1,408Salaries and employee benefits
  • $328Premises and equipment expense
  • $942Additional noninterest expense
  • $1,093Pre-tax net operating income
  • $19Securities gains (losses)
  • $445Applicable income taxes
  • $667Income before extraordinary items
  • $0Extraordinary gains - net
  • $667Net income attributable to bank
  • $0Net charge-offs
  • $667Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.28%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 5.48%Net interest margin
  • 1.02%Noninterest income to earning assets
  • 4.37%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.63%Pretax return on assets
  • 10.88%Return on equity (ROE)
  • 10.88%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,168Assets per employee
  • 2.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.11%Loss allowance to noncurrent loans
  • 39.28%Noncurrent assets plus other real estate owned to assets
  • 4.44%Noncurrent loans to loans
  • 5.36%Net loans and leases to deposits
  • 90.96%Net loans and leases to core deposits
  • 99.83%Equity capital to assets
  • 9.20%Core capital (leverage) ratio
  • 9.12%Tier 1 risk-based capital ratio
  • 11.02%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $68,309Average earning assets
  • $6,129Average equity
  • $61,324Average loans

List of branches

  • 2 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0363815Prairie Mountain Bank1019 7th Street South, Great Falls, MT 59405November 01, 2002Full Service Brick and Mortar
    1496112Prairie Mountain Bank East Branch3635 10th Avenue South, Great Falls, MT 59405October 13, 2009Full Service Brick and Mortar

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